About SIP Calculator

Making financial planning accessible to everyone

Our Mission

We believe that everyone deserves access to professional-grade financial planning tools — without paywalls, account requirements, or hidden agendas. SIP & SWP Calculator was built to help investors worldwide — including India, USA, UK, and beyond — visualize the power of systematic investing and plan their retirement income with confidence.

About the Creator

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Sumeet Boga

Software Developer & Finance Specialist

Sumeet combines software engineering expertise with a deep passion for personal finance. Having experienced firsthand the lack of transparent, free financial planning tools in India, he built SIP Calculator to bridge the gap between complex financial mathematics and accessible, visual planning.

His focus areas include mutual fund investing, tax-efficient retirement planning, and building tools that automate financial decision-making.

What Makes Our Calculator Different

  • Step-Up SIP — We're one of the few calculators that model annual step-up (top-up) SIPs, which is how real investors actually invest as their income grows.
  • SIP + SWP in One Tool — Seamlessly model both the accumulation phase (SIP) and the distribution phase (SWP retirement income) in a single simulation.
  • Step-Up SWP — Adjust your withdrawals for inflation with annual step-up, something most calculators don't support.
  • Branded PDF Reports — Financial advisors can generate professional PDF reports with their name and client details.
  • 100% Free, No Sign-Up — No account required, no data collection, no ads. Your financial data stays in your browser.

Our Commitment to Accuracy

All financial data, tax rates, and formulas on this site are verified against official sources:

  • AMFI India — Mutual fund industry data and SIP methodology
  • SEBI — Regulatory framework for mutual funds
  • Income Tax India — Capital gains tax rates (LTCG/STCG)

Last verified:

Disclaimer

This calculator is for educational and illustrative purposes only. The projections do not account for exit loads, expense ratios, or extreme market volatility. We are not registered financial advisors. Please consult a SEBI-registered advisor before making investment decisions.

Contact Us

Have questions, feedback, or found an error? Reach us at help@sipswpcalculator.com.

Start Planning Your Financial Future

Our free SIP & SWP calculator helps you visualize exactly how your investments grow and plan for a comfortable retirement.

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