SIP & SWP Calculator

Plan your investments and withdrawals with our financial tools

Calculation Results

Total Investment
₹6,00,000
Estimated Returns
₹5,72,432
Total Value
₹11,72,432

Understanding SIP and SWP

What is SIP (Systematic Investment Plan)?

SIP is an investment strategy where you invest a fixed amount regularly (usually monthly) in mutual funds. It helps in rupee cost averaging and compounding of returns over time.

Benefits of SIP:

  • Disciplined approach to investing
  • Rupee cost averaging reduces market timing risk
  • Power of compounding works in your favor
  • Flexible - can start with small amounts
  • Easy to automate investments

What is SWP (Systematic Withdrawal Plan)?

SWP is a withdrawal strategy where you withdraw a fixed amount regularly from your mutual fund investments. It's commonly used during retirement to generate regular income.

Benefits of SWP:

  • Regular income stream from investments
  • Flexible withdrawal amounts and frequency
  • Potential for withdrawals to grow with inflation
  • Tax-efficient way to withdraw from mutual funds
  • Remaining corpus continues to grow

How to Use This Calculator

For SIP calculations: Enter your monthly investment amount, investment duration in years, and expected annual return rate. The calculator will show your total investment, estimated returns, and final corpus.

For SWP calculations: Enter your initial investment amount, withdrawal period in years, monthly withdrawal amount, and expected annual return rate. The calculator will show your total withdrawals, remaining corpus, and final value.