Corpus at End of SIP
--
SIP and SWP Calculator
The SIP and SWP Calculator models your full investment lifecycle — the accumulation phase and the withdrawal phase together in one tool. Enter your monthly SIP amount, annual return, SIP period, monthly withdrawal, and SWP period to see your corpus at end of SIP, final corpus after SWP, total SIP invested, and total withdrawn via SWP all update live. The year-wise drawdown table shows your remaining corpus at every annual checkpoint of the withdrawal phase, so you can check whether your systematic investment plan corpus sustains your monthly income across your full retirement horizon. For more related tools, see the lumpsum calculator.
Results
Final Corpus After SWP
--
Total SIP Invested
--
Total Withdrawn via SWP
--
SIP Corpus vs Final Corpus After SWP
Results Table
| Year | Remaining Corpus | Cumulative Withdrawn |
|---|
What is the SIP and SWP Calculator?
The SIP and SWP calculator is a two-phase retirement planning tool that models both the accumulation stage and the withdrawal stage of your investment lifecycle in a single view. SIP (Systematic Investment Plan) is the accumulation phase — you invest a fixed amount monthly for a defined period to build a corpus. SWP (Systematic Withdrawal Plan) is the distribution phase — once your goal corpus is built, you withdraw a fixed amount monthly from the corpus, which continues to earn returns on the remaining balance. The systematic investment and withdrawal plan calculator shows you the corpus at end of SIP, the final corpus after SWP, the total SIP invested, and the total withdrawn via SWP — all from a single set of inputs.
The SWP after SIP calculator is most commonly used for retirement planning: build a corpus through a systematic investment plan during your working years, then withdraw monthly income during retirement through an SWP. The year-wise drawdown table in the calculator shows your remaining corpus at every annual checkpoint of the withdrawal phase, so you can verify that your corpus sustains the monthly income you need without depleting before the end of your planned withdrawal period. Also explore the gold etf sip calculator for a related calculation.
How the SIP-to-SWP Transition Works
The SIP accumulation formula builds your corpus using the Future Value of Annuity Due:
SIP Corpus = P × [(1 + r)ⁿ − 1] / r × (1 + r)
Once the SIP phase ends, the corpus becomes the starting balance for the SWP phase. Each month during SWP, the corpus earns one month of returns first, then the withdrawal is deducted:
Remaining corpus (each month) = Previous balance × (1 + r) − Monthly withdrawal
If the monthly withdrawal is less than the monthly return earned on the corpus, the corpus grows even during the withdrawal phase. If it exceeds the monthly return, the corpus depletes over time. The SIP SWP planner shows you the exact trajectory through the year-wise drawdown table. A common benchmark: if your monthly withdrawal is approximately 0.5–0.6% of your corpus, the corpus will sustain indefinitely at 6–7% annual return — which is the basis of the 4% withdrawal rule popularised in retirement planning literature. Also explore the sip compound interest calculator for a related calculation.
Planning Your Retirement with SIP and SWP
The SIP and SWP calculator is designed for answering the core retirement planning question: how much monthly SIP do I need today to fund a specific monthly income in retirement? Here is how different SIP amounts at 12% return for 20 years translate to sustainable SWP income:
| Monthly SIP (20 years, 12%) | Corpus at SIP End | Monthly SWP sustainable for 20 years | Final Corpus After 20yr SWP |
|---|---|---|---|
| ₹5,000 | ₹49.96 lakh | ~₹30,000 | ~₹0 (depleted) |
| ₹10,000 | ₹99.92 lakh | ~₹55,000 | ~₹0 (depleted) |
| ₹20,000 | ₹1.99 crore | ~₹1,10,000 | ~₹0 (depleted) |
For a corpus that sustains indefinitely, keep the monthly SWP withdrawal below approximately 0.5% of the corpus. For a ₹1 crore corpus at 12% annual return, that means a monthly SWP of ₹50,000 would be self-sustaining — the corpus earns more each month than you withdraw. Use the SIP SWP planner to model your specific accumulation and withdrawal combination, and adjust the monthly withdrawal slider to find the sustainable withdrawal rate for your projected corpus.
Frequently Asked Questions
What is SWP and how is it different from SIP?
SIP (Systematic Investment Plan) and SWP (Systematic Withdrawal Plan) are opposite operations on a mutual fund account. In a systematic investment plan, you invest a fixed amount every month to accumulate units. In an SWP, you withdraw a fixed amount every month by redeeming units — the remaining units stay invested and continue to earn returns. SWP is used to generate regular income from a mutual fund corpus, typically during retirement, while SIP is used during the working phase to build that corpus.
Can I run a SIP and SWP simultaneously?
Technically yes, but it is rarely done intentionally since investing and withdrawing simultaneously offsets gains and creates unnecessary transaction complexity and tax events. The standard approach is sequential: run a systematic investment plan during the accumulation phase (working years), then switch to an SWP during the distribution phase (retirement). The SIP and SWP calculator models this sequential approach. Some investors run simultaneous SIPs in growth funds and SWPs from debt funds during a transition period, but this requires active management of the allocation between fund types.
How much monthly withdrawal can my SIP corpus sustain?
The sustainable monthly withdrawal from a SWP depends on the return your corpus continues to earn during the withdrawal phase. As a guideline: if your corpus earns 12% per annum, a monthly withdrawal of approximately 0.5% of the corpus (i.e., 6% per annum) will allow the corpus to grow at 6% per annum even while you withdraw. For a ₹1 crore corpus at 12% return, this means a monthly SWP of ₹50,000 that sustains indefinitely. Higher withdrawals will deplete the corpus over time — the SIP SWP planner's year-wise drawdown table shows you exactly when depletion occurs for any withdrawal amount.
Is SWP income taxable in India?
SWP withdrawals are not income — they are redemptions of mutual fund units. Each monthly SWP redemption triggers a capital gains tax event on the gain component of the redeemed units. For equity mutual funds, units held more than 12 months qualify for LTCG tax at 12.5% on gains above ₹1 lakh per year; units held less than 12 months attract STCG at 20%. For debt funds, all gains are now taxed at the investor's income tax slab rate regardless of holding period (post Budget 2023). For retirement planning, equity fund SWPs are generally more tax-efficient than debt fund SWPs for investors in higher tax brackets.