Free Financial Planning Tool

SIP & SWP Calculator
Visualise Your Wealth Journey

Sumeet Boga — Creator of SIP Calculator By Sumeet Boga, Software Engineer & Finance Enthusiast
Verified for Accuracy: February 2026

This free SIP calculator helps you estimate your mutual fund SIP returns with annual step-up (top-up) compounding. A Systematic Withdrawal Plan (SWP) lets you plan tax-efficient withdrawals for a steady retirement income. Use this SIP return calculator to visualize growth, compare scenarios, and download detailed PDF reports — free for investors worldwide.

Calculate Your SIP & SWP Returns

₹
Yrs
%
%
Total Invested
$ 68,73,000
Total Gains
$ 5,23,79,480
Total Withdrawn
$ 75,46,735
Final Corpus
$ 5,17,5,744

Yearly Breakdown

Year Start Corpus Annual SIP Total Invested Interest End Corpus
1 $ 0 $ 1,20,000 $ 1,20,000 $ 8,093 $ 1,28,093
2 $ 1,28,093 $ 1,32,000 $ 2,52,000 $ 25,148 $ 2,85,241
3 $ 2,85,241 $ 1,45,200 $ 3,97,200 $ 45,969 $ 4,76,410
4 $ 4,76,410 $ 1,59,720 $ 5,56,920 $ 71,193 $ 7,7,323
5 $ 7,7,323 $ 1,75,692 $ 7,32,612 $ 1,1,556 $ 9,84,570
6 $ 9,84,570 $ 1,93,261 $ 9,25,873 $ 1,37,902 $ 13,15,734
7 $ 13,15,734 $ 2,12,587 $ 11,38,461 $ 1,81,206 $ 17,9,527
8 $ 17,9,527 $ 2,33,846 $ 13,72,307 $ 2,32,582 $ 21,75,956
9 $ 21,75,956 $ 2,57,231 $ 16,29,537 $ 2,93,314 $ 27,26,501
10 $ 27,26,501 $ 2,82,954 $ 19,12,491 $ 3,64,872 $ 33,74,326
11 $ 33,74,326 $ 3,11,249 $ 22,23,740 $ 4,48,941 $ 41,34,516
12 $ 41,34,516 $ 3,42,374 $ 25,66,114 $ 5,47,451 $ 50,24,342
13 $ 50,24,342 $ 3,76,611 $ 29,42,725 $ 6,62,612 $ 60,63,565
14 $ 60,63,565 $ 4,14,273 $ 33,56,998 $ 7,96,952 $ 72,74,790
15 $ 72,74,790 $ 4,55,700 $ 38,12,698 $ 9,53,360 $ 86,83,849
16 $ 86,83,849 $ 5,1,270 $ 43,13,967 $ 11,35,137 $ 1,3,20,256
17 $ 1,3,20,256 $ 5,51,397 $ 48,65,364 $ 13,46,055 $ 1,22,17,708
18 $ 1,22,17,708 $ 6,6,536 $ 54,71,901 $ 15,90,418 $ 1,44,14,663
19 $ 1,44,14,663 $ 6,67,190 $ 61,39,091 $ 18,73,138 $ 1,69,54,991
20 $ 1,69,54,991 $ 7,33,909 $ 68,73,000 $ 21,99,815 $ 1,98,88,715
21 $ 1,98,88,715 $ 0 $ 68,73,000 $ 24,81,921 $ 2,17,70,636
22 $ 2,17,70,636 $ 0 $ 68,73,000 $ 27,18,572 $ 2,38,59,208
23 $ 2,38,59,208 $ 0 $ 68,73,000 $ 29,81,331 $ 2,61,79,038
24 $ 2,61,79,038 $ 0 $ 68,73,000 $ 32,73,312 $ 2,87,57,775
25 $ 2,87,57,775 $ 0 $ 68,73,000 $ 35,98,019 $ 3,16,26,490
26 $ 3,16,26,490 $ 0 $ 68,73,000 $ 39,59,384 $ 3,48,20,105
27 $ 3,48,20,105 $ 0 $ 68,73,000 $ 43,61,832 $ 3,83,77,880
28 $ 3,83,77,880 $ 0 $ 68,73,000 $ 48,10,335 $ 4,23,43,955
29 $ 4,23,43,955 $ 0 $ 68,73,000 $ 53,10,486 $ 4,67,67,968
30 $ 4,67,67,968 $ 0 $ 68,73,000 $ 58,68,572 $ 5,17,5,744
Learn more about SIPs and how to use our calculator

Master Your Financial Future with SIP & SWP

Understanding the tools at your disposal is the first step toward effective financial planning. Our mutual fund SIP calculator is designed to demystify two of the most powerful tools for Indian and global investors: the Systematic Investment Plan (SIP) and the Systematic Withdrawal Plan (SWP).

What is a Systematic Investment Plan (SIP)?

A Systematic Investment Plan (SIP) is a method of investing a fixed amount of money at regular intervals (monthly, quarterly) into mutual funds. SIPs use rupee cost averaging and compounding to build wealth over time, making them ideal for long-term goals like retirement, education, or wealth creation. As per AMFI data, SIP inflows worldwide crossed $21,000 Crore/month in 2025. Read our complete SIP guide →

  • Rupee Cost Averaging: Buy more units when NAV is low, fewer when it's high — reducing average cost automatically.
  • Power of Compounding: Reinvesting returns generates earnings on earnings, leading to exponential growth over 10-20+ years.
  • Disciplined Investing: Automates saving and removes emotional decision-making from investing.

What is a Systematic Withdrawal Plan (SWP)?

A Systematic Withdrawal Plan (SWP) allows investors to withdraw a fixed amount from their mutual fund corpus at regular intervals. SWP provides a steady, tax-efficient income stream during retirement while allowing the remaining investment to continue growing. Unlike FD interest (taxed at slab rate), SWP withdrawals are taxed only on the capital gains portion — making them significantly more efficient. Try the SWP calculator →

  • Regular Income: Create a predictable pension-like cash flow from your mutual fund investments.
  • Tax-Efficient Withdrawals: Only the capital gains portion is taxed (LTCG at 12.5% above $1,500 for equity funds).
  • Continued Growth: Remaining corpus stays invested and benefits from market growth, potentially outliving you.

How to Use This SIP & SWP Calculator

Step 1: Enter SIP Details

Set your monthly SIP amount ($5 to $10 Lakh), investment period (1-50 years), expected annual return rate, and optional annual step-up percentage.

Step 2: Configure SWP (Optional)

Switch to the SWP tab, enable it, and set your monthly withdrawal amount, withdrawal period, and yearly hike. The SWP phase begins automatically after your SIP period ends.

Step 3: Analyze Results

View the interactive growth chart, yearly breakdown table, and summary cards. Export results as CSV or generate a branded PDF report for clients.

SIP Calculator Formula

Future Value of SIP (Annuity Due):

FV = P × [ { (1 + i)n - 1 } / i ] × (1 + i)

FV
= Future Value (Maturity Amount)
P
= Monthly Investment Amount
i
= Monthly Rate (Annual Rate ÷ 12 ÷ 100)
n
= Total Payments (Years × 12)

Our calculator uses month-by-month simulation with step-up compounding, which is more accurate than the simple annuity formula for long-term projections. Source: AMFI India standard methodology.

SIP Return Examples: How Much Can You Earn?

$50/month for 15 Years

@ 12% return, 10% annual step-up

  • Total Invested: $19.09L
  • Wealth Gained: +$21.41L
  • Maturity Value: $40.50L

Money multiplied ~2.1×

MOST POPULAR

$100/month for 20 Years

@ 12% return, 10% annual step-up

  • Total Invested: $68.73L
  • Wealth Gained: +$2.85Cr
  • Maturity Value: $3.54Cr

Money multiplied ~5.1×

$25,000/month for 30 Years

@ 12% return, 10% annual step-up

  • Total Invested: $4.94Cr
  • Wealth Gained: +$36.91Cr
  • Maturity Value: $41.85Cr

Money multiplied ~8.5×

🌍 GLOBAL EXAMPLE

$500/month for 20 Years

@ 10% return, 5% annual step-up

  • Total Invested: $198,396
  • Wealth Gained: +$218,104
  • Maturity Value: $416,500

Money multiplied ~2.1×

Note: These are illustrative projections. Actual returns depend on market conditions. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.

Risks of SIP & SWP Investments

  • Market Risk: Returns depend on stock/bond market performance. Equity SIPs can show negative returns in the short term (1-3 years). However, over 7-10+ years, diversified equity funds have historically delivered positive returns.
  • Sequence-of-Returns Risk (SWP): If markets crash early in your SWP phase, your corpus depletes faster. Stress-test your withdrawal rate against downturns.
  • Inflation Risk: A 6-7% return on debt funds may not beat inflation (5-6%). Equity SIPs historically outpace inflation over the long term.
  • No Guaranteed Returns: Unlike PPF or FDs, mutual fund returns are not guaranteed. Past performance does not guarantee future results. Always consult a SEBI-registered financial advisor.

Real-Life Success Story: The "Mr. Sharma" Strategy

Meet Mr. Sharma (30). He decides to invest $100/month in an Equity Mutual Fund via SIP for his retirement at age 60.

  • Goal: Retire with $5 Crores.
  • Strategy: Step-up SIP. Increase investment by 10% every year as his salary grows.
  • Result: By age 60, avoiding the urge to stop during market lows, his corpus grows to $3.54 Million — and with SWP at $500/month, he earns a steady retirement income while the corpus continues to grow.

Moral: It's not just about starting early — it's about increasing your investment as you grow. Learn more about Step-Up SIP →

SIP vs RD vs FD vs PPF: A Comparison

SIP vs PPF vs Fixed Deposit: Investment Comparison for Indian Investors (2026)
Feature SIP (Equity MF) PPF Fixed Deposit (FD)
Expected Returns 12% - 15% (High) 7.1% (Moderate) 6% - 7% (Low)
Risk Profile High (Market Linked) Risk-Free (Govt Backed) Low Risk
Liquidity High (Exit Load < 1 yr) Low (15 Year Lock-in) High (Penalty applies)
Taxation LTCG > $1.25L taxed @ 12.5% Exempt (EEE) Taxed as Income

Frequently Asked Questions

Can I start an SWP immediately after my SIP ends?
Yes, absolutely. This is a common strategy for retirement planning. You accumulate a corpus using SIP during your working years and then switch to SWP to generate a monthly pension-like income post-retirement. Our calculator specifically models this seamless transition.
Is SWP better than a fixed deposit interest?
Generally, yes. SWP from equity or hybrid mutual funds has the potential to offer higher returns than fixed deposits over the long term. Additionally, SWP is more tax-efficient because you are only taxed on the capital gains portion of the withdrawal, whereas FD interest is fully taxable at your slab rate.
How does the "Step-up" feature work?
A "Step-up" SIP means you increase your monthly investment amount by a certain percentage every year (e.g., as your salary increases). This significantly boosts your final corpus. Similarly, a "Step-up" SWP means you increase your withdrawal amount annually to combat inflation.
What is a safe withdrawal rate for SWP?
Financial experts often recommend the "4% rule," suggesting you withdraw 4% of your corpus annually. However, this depends on market conditions, your expected lifespan, and the sequence of investment returns you experience. A conservative approach is to stress-test your withdrawal rate against historical market downturns.
Which is better: SIP or Lump Sum?
In a rising market, Lump Sum often wins mathematically. However, SIP is psychologically easier and safer for volatile markets as it benefits from Dollar Cost Averaging, reducing the risk of investing a large amount at a market peak.
Can I lose money in SIP?
Yes, in the short term. Since SIPs in equity mutual funds are market-linked, the value can fluctuate. However, historical data shows that over the long term (7-10+ years), the probability of negative returns in a diversified fund is negligible.
What is the minimum amount to start a SIP worldwide?
Most mutual fund houses worldwide allow SIPs starting from as low as $5/month. Some AMCs like SBI MF and HDFC MF offer micro-SIPs at $1/month. The key is to start early — even $5/month over 20 years at 12% can grow to $5+ Lakhs.
How do I choose the right mutual fund for my SIP?
Consider: (1) Risk profile — large-cap for stability, small-cap for aggressive growth; (2) Expense ratio — lower is better, prefer direct plans; (3) Track record — check 5-7 year consistency, not just 1-year returns; (4) Fund manager experience. Use AMFI's mutual fund comparison tools for data.
How are SWP withdrawals taxed worldwide (2026)?
SWP withdrawals are treated as partial redemptions. For equity funds: STCG (held <1 year) taxed at 20%, LTCG taxed at 12.5% on gains above $1,500/year. For debt funds (purchased after Apr 2023): taxed at your income slab rate. Only the capital gains portion of each withdrawal is taxable — the principal component is tax-free.
How long should I continue my SIP for best results?
For equity mutual funds, 7-10 years minimum is recommended to ride out market cycles and benefit from compounding. Historical data shows that Nifty 50 SIPs held for 10+ years have never delivered negative returns. For retirement goals, 20-30 year SIPs yield the best compounding effect.
Is SIP better than a Recurring Deposit (RD)?
For long-term goals (5+ years), equity SIPs have historically outperformed RDs by 5-8% annually. RDs offer guaranteed returns (~6-7%) but are fully taxable. SIPs in equity funds offer higher growth potential with LTCG tax benefits, but carry market risk. For short-term goals (1-3 years), RDs or debt fund SIPs may be safer.
What step-up percentage should I use for my SIP?
A 10% annual step-up is the most common recommendation — roughly matching average salary increments worldwide. Conservative investors can use 5-7%, while aggressive savers might go up to 15-20%. Even a 5% step-up dramatically outperforms a flat SIP over 20+ years. Use our calculator above to compare different step-up rates.
Can I stop or pause my SIP anytime?
Yes, SIPs are completely flexible. You can pause, stop, or modify your SIP at any time without penalties. Your existing invested units remain in the fund and continue growing. However, stopping during market downturns is the most common mistake — it means you miss buying units at lower prices, which is exactly when SIPs are most beneficial.
Will my SWP deplete my corpus completely?
It depends on your withdrawal rate vs. investment return. If you withdraw less than what your corpus earns, it can last indefinitely. The "4% rule" suggests withdrawing 4% annually to sustain a 30-year retirement. Use our calculator to stress-test different withdrawal amounts and see exactly when your corpus would run out.
Can NRIs invest in SIP worldwide?
Yes, NRIs can invest in mutual fund SIPs worldwide through their NRE or NRO accounts. Most AMCs accept NRI investments, though some sectoral/thematic funds may have restrictions for US/Canada-based NRIs due to FATCA regulations. Tax treatment follows India's DTAA provisions with the NRI's country of residence.
How does inflation affect my SIP and SWP planning?
Inflation (typically 5-6% worldwide) erodes purchasing power over time. At 6% inflation, $1 Lakh today is worth only $310 in 20 years. This is why step-up SIPs are critical — they increase your investment to outpace inflation. For SWP, use the step-up withdrawal feature to increase monthly withdrawals by 5-7% annually to maintain your lifestyle.

Use our advanced SIP & SWP calculator to model your investments and plan your withdrawals to see how you can achieve your financial goals, whether it's building a retirement corpus, funding your child's education, or creating a passive income stream. Learn more about how SIPs work →

Cite This Calculator

Writing an article, blog post, or research paper? You can cite this tool using the following format.

Boga, S. (2026). Advanced SIP & SWP Calculator. sipswpcalculator.com. Retrieved from https://sipswpcalculator.com/