SIP + SWP Calculator

Invest for years, then draw a monthly income — the full journey.

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About this calculator

Build a corpus with a monthly SIP, then turn it into a monthly income with a systematic withdrawal plan. See the corpus you could build, how long withdrawals last and how much you can safely take.

How is this calculated?

Phase 1: SIP instalments (rising yearly) and any lumpsum grow at the investing return. Optional gap years: the money stays invested. Phase 2: a monthly withdrawal, rising yearly, is taken out while the rest grows at the withdrawal-phase return. The highest sustainable withdrawal uses up the corpus exactly over the withdrawal years.

Questions people ask

Why use a lower return during withdrawals?

When you depend on the money for income, most people move it to lower-risk funds so a market fall does not force them to sell at a loss. Lower risk usually means lower expected return.

Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.