SIP + SWP Calculator

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years
%
₹
Add this if you are also investing a one-time amount alongside your monthly SIP.
%
Your SIP amount rises by this percentage at the start of each new year. Leave at 0 for a flat SIP.
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Auto-filled from your SIP's ending corpus. Edit it to model an existing lumpsum instead.
years
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%
Can differ from your SIP-phase return. A portfolio nearing withdrawal is often more conservative.
%
Set this to your inflation estimate so withdrawals keep pace with rising expenses. Leave at 0 for a flat withdrawal.

Your combined plan

SIP runs for -- years, then switches to SWP for -- years.
Total invested (SIP) --
Corpus at SWP start --
Total withdrawn (SWP) --
Ending corpus --
Corpus will deplete -- at current assumptions.
Your corpus lasts the full withdrawal horizon.
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Assumptions: SIP contributions and SWP withdrawals both apply at the start of the month, before that month's growth, with a constant annual return compounded monthly in each phase. Any step-up applies once per year, not gradually.

Disclaimer: This calculator is for educational and planning purposes only and is not investment advice or a recommendation. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Actual returns, taxes, and outcomes may vary.

Combined Year-by-Year Timeline

View chart and year-by-year details

Corpus over time (SIP then SWP)

Run a calculation to see the chart.
SIP accumulation SWP withdrawal Switch point
Year Phase Invested Withdrawn Closing corpus

SIP + SWP: the accumulate-then-withdraw strategy, explained

A SIP builds wealth through disciplined monthly investing. An SWP turns an existing corpus into a monthly income by redeeming units at regular intervals. Run one after the other and you get a full investing lifecycle: invest steadily while you earn, then draw an income from the same money once you need it. This calculator models both phases together so you can see the whole journey on one timeline instead of checking two separate tools.

On this page
What is the SIP + SWP combo strategy? How the two phases connect What each input means How to use this calculator step-by-step SIP-only vs SWP-only vs combined SIP + SWP Sizing your SIP for a target SWP income What can make the plan fall short FAQs

What is the SIP + SWP combo strategy?

It is the same idea mutual fund distributors describe as "invest through your working years, then switch to income mode": run a monthly SIP for as long as you are earning and adding to your corpus, then, from the date you need income, stop the SIP and start an SWP from the same folio or a linked one. The corpus your SIP built becomes the opening balance your SWP draws down.

How the two phases connect

In this calculator, the field labelled "Starting corpus for SWP" is auto-filled from the corpus your SIP inputs project by the end of the accumulation period. That is the connection: change your SIP amount, duration, return, or step-up, and the SWP starting point updates with it. If you already hold a lumpsum and do not need the SIP phase, edit that field directly, it stays wherever you set it until you click "Use SIP corpus" again.

What each input means

  1. Monthly SIP amount: what you invest every month during accumulation.
  2. Investment duration: how many years the SIP phase runs before you switch to withdrawals.
  3. Expected annual return (SIP phase): the assumed growth rate while you are accumulating.
  4. Starting lumpsum: an optional one-time amount invested alongside the SIP from day one.
  5. Annual step-up (SIP): a yearly percentage increase to your SIP amount, useful if your income grows over time.
  6. Starting corpus for SWP: the opening balance for withdrawals, auto-linked to your SIP result but editable.
  7. Withdrawal duration: how many years the SWP phase should run.
  8. Monthly withdrawal: your target monthly income once withdrawals begin.
  9. Expected annual return (SWP phase): the assumed growth rate during withdrawal, which can differ from the SIP phase.
  10. Annual step-up / inflation (SWP): a yearly percentage increase to your withdrawal, to help it keep pace with rising costs.

How to use this calculator step-by-step

Start with your accumulation assumptions: how much you can invest monthly, for how long, and at what expected return. Check the projected corpus at the SIP-to-SWP switch point. Then move to the withdrawal side: set how many years you need income for and how much you want each month, and see whether the auto-filled starting corpus supports it. If the corpus depletes early, come back and adjust one variable at a time, a longer SIP duration, a higher monthly amount, a smaller withdrawal, or a longer withdrawal horizon with a lower monthly payout, and rerun the numbers.

SIP-only vs SWP-only vs combined SIP + SWP

Each tool answers a different question. Here is how they compare.

Aspect SIP-only calculator SWP-only calculator Combined SIP + SWP calculator
Question it answers How big a corpus will my monthly investing build? How long will an existing corpus support my withdrawals? Will the corpus I build actually support the income I plan to draw?
Best used for Goal planning while you are still investing Retirees or anyone with a lumpsum already in hand Planning the full arc from working years to retirement income
Starting point Usually zero, or a small lumpsum A known corpus you enter manually Auto-linked: SIP's ending corpus feeds the SWP's starting corpus
What you see Total invested, returns, and final maturity value Total withdrawn, ending corpus, or depletion year Both, on one continuous chart and year-by-year table
Limitation Does not show what the corpus can later support Assumes you already have the full corpus in hand Still needs realistic assumptions in both phases to be useful

Use the standalone SIP Calculator or SWP Calculator when you only need one side of the picture. Use this combined tool when you want to see whether your accumulation plan actually funds your withdrawal plan.

Sizing your SIP for a target SWP income

Work backward from the income you want. Set the SWP inputs first: your target monthly withdrawal, how many years it should last, and a conservative return assumption. Note the corpus that combination needs to avoid early depletion. Then move to the SIP side and adjust the monthly amount, duration, and step-up until the projected accumulation corpus meets or exceeds that number. Testing a few combinations this way is usually more useful than picking one SIP amount and hoping it works out.

What can make the plan fall short

The two most common gaps are an accumulation period that is too short for the SIP amount chosen, and a withdrawal rate that is too aggressive relative to the corpus and assumed return. A high step-up on the withdrawal side compounds this, since withdrawals grow every year regardless of how markets perform. Real returns also do not arrive in a straight line, so a plan that only works at an optimistic return assumption is fragile. Stress-test by lowering both return assumptions by a couple of percentage points and see if the plan still holds.

Note: This tool models pre-tax corpus growth and does not account for capital gains tax on SWP redemptions or expense ratios. Build in a margin of safety for both when finalising a real plan.

FAQs

1. Can I run SIP and SWP at the same time?
Not from the same folio in the usual sense. An SIP builds a corpus and an SWP draws it down, so they represent two phases of the same money. Some investors do run a fresh SIP in one fund while taking an SWP from an older, already-grown fund, which is really two separate plans running in parallel rather than one folio doing both at once.

2. How much should I SIP monthly to sustain a target SWP income?
Start from your target monthly withdrawal and work backward: estimate the corpus that withdrawal needs to last your planned SWP horizon, then use this calculator's SIP side to see what monthly investment and duration gets you there at your assumed return. Increase the SIP amount, extend the duration, or raise the step-up percentage until the projected corpus at the end of accumulation covers your SWP requirement.

3. Does the corpus really last through retirement?
That depends entirely on the assumptions you enter: your accumulation period, expected returns in both phases, and how much you withdraw. This calculator shows you the outcome under your chosen assumptions and flags depletion if the corpus runs out before your SWP horizon ends. Because real returns vary year to year, treat the result as one scenario and stress-test it with lower return assumptions.

4. What return should I assume for each phase?
Many planners use a higher, more equity-heavy return assumption for the accumulation phase since it typically runs longer and can absorb volatility, and a slightly lower, more conservative assumption for the withdrawal phase since a portfolio nearing or in retirement is often shifted toward a more balanced mix. This calculator lets you set each phase's return independently so you are not forced to use one number for both.

5. What happens if I already have a lumpsum and do not need the SIP phase?
Set your SIP duration and monthly amount to reflect little or no accumulation, then edit the Starting corpus for SWP field directly to your existing lumpsum. The field is auto-filled from your SIP results but you can override it any time, which lets you model a straight SWP-only scenario or a top-up on top of an existing corpus.

6. Can the SWP withdrawal amount increase every year?
Yes. Turn on the annual step-up toggle in the SWP section and set a percentage. Your withdrawal then increases by that percentage every year, which helps the payout keep pace with rising expenses, though a higher step-up also draws down the corpus faster, all else being equal.

7. What if my corpus depletes before the SWP period ends?
The calculator flags this directly, showing the year the corpus runs out instead of the ending balance. If that happens, try a longer accumulation period, a higher SIP or step-up, a lower withdrawal amount, a smaller withdrawal step-up, or a longer withdrawal horizon with a smaller monthly payout, then rerun the numbers.

8. Is this the same as a retirement calculator?
It covers the same underlying idea, investing toward a goal and then drawing it down, but a dedicated retirement calculator often also factors in things like your current age, other income sources, and a broader expense plan. This tool focuses specifically on chaining an SIP accumulation phase into an SWP withdrawal phase so you can see the combined corpus timeline in one place.

Explore these tools to look at either phase on its own, or to model a step-up in more detail.

SIP Calculator Project the maturity value of a monthly SIP on its own, with an inflation-adjusted view. SWP Calculator Test how long an existing corpus lasts under a fixed or step-up monthly withdrawal. Goal SIP Calculator Work backward from a target corpus to the monthly SIP needed to reach it. Step-Up SIP Calculator A deeper look at how an annually increasing SIP changes your final corpus.
Disclaimer: This calculator is for educational and planning purposes only. It does not constitute investment advice or a recommendation to buy or sell any security. Mutual fund investments are subject to market risks. Past performance is not indicative of future results. Read all scheme-related documents carefully. Actual returns, tax liability, and outcomes may vary. Please consult a SEBI-registered investment adviser before making any investment decisions.
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