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SIP & SWP Calculator

See what your SIP or lumpsum grows to, the SIP you need for a goal, and how long SWP withdrawals will last.

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₹

₹10,000 · 10 thousand

%
yrs
%

Step-up: raise your SIP each year, e.g. by your salary hike. 0 = same amount throughout.

Value after 15 years₹50,45,760about ₹50.46 lakh
64%returns
You invest₹18,00,000
Estimated returns₹32,45,760
Y1Y3Y5Y7Y9Y11Y13Y15
Amount investedValue
Year-by-year table
YearMonthly SIPInvestedValue
1₹10,000₹1,20,000₹1,28,093
2₹10,000₹2,40,000₹2,72,432
3₹10,000₹3,60,000₹4,35,076
4₹10,000₹4,80,000₹6,18,348
5₹10,000₹6,00,000₹8,24,864
6₹10,000₹7,20,000₹10,57,570
7₹10,000₹8,40,000₹13,19,790
8₹10,000₹9,60,000₹16,15,266
9₹10,000₹10,80,000₹19,48,215
10₹10,000₹12,00,000₹23,23,391
11₹10,000₹13,20,000₹27,46,148
12₹10,000₹14,40,000₹32,22,522
13₹10,000₹15,60,000₹37,59,311
14₹10,000₹16,80,000₹43,64,180
15₹10,000₹18,00,000₹50,45,760

Returns are your assumption, not a promise. Mutual fund investments are subject to market risks, and actual returns go up and down.

This is an estimate based on standard financial formulas and the numbers you enter — it doesn’t account for every fee, tax rule, or lender-specific term, and isn’t a substitute for advice from a qualified financial professional. Read the full disclaimer.

Plan Investing and Withdrawing in One Place

Four calculators share one page. The SIP calculator shows what a monthly investment grows to, with a yearly step-up for a rising salary and an inflation switch to show the result in today's money. The lumpsum calculator does the same for a one-time investment. The goal planner works backwards from a target, such as ₹1 crore in 15 years, to the SIP you need to start now. The SWP calculator shows how long monthly withdrawals will last and the most you can safely take out.

How to Use This Calculator

  1. 1Pick what you want to work outSIP: what a monthly investment grows to. Lumpsum: what a one-time investment grows to. Goal planner: the SIP needed for a target. SWP: how long monthly withdrawals last.
  2. 2Enter the amountsType or drag the sliders. Amounts are also shown in lakh and crore so it is easy to check the zeros.
  3. 3Add a yearly step-up if your SIP will growFor example 10% if you plan to raise your SIP with each salary hike. You will see how much extra that adds compared with a flat SIP.
  4. 4Turn on inflation to see real valueShows what the final amount is worth in today's money, or how much a goal will really cost later.
  5. 5Read the chart and the yearly tableInvested amount versus value year by year, or for SWP the money withdrawn and the balance left each year.

Why Step-Up SIP Matters

  1. 1A basic SIP calculator assumes a flat monthly amount foreverMost simple SIP calculators assume you invest the exact same amount every month for the entire period — which rarely matches reality, since most people's income (and ability to invest) grows over time.
  2. 2Step-up SIP increases your investment automatically each yearInstead of assuming a flat contribution, a step-up SIP increases the monthly investment by a fixed percentage every year — mirroring an annual raise or increment — which compounds into a meaningfully larger final corpus than a flat SIP of the same starting amount.
  3. 3Why this matters for realistic planningTwo people starting an SIP at the same monthly amount and same return rate end up with very different corpuses if one increases their contribution 10% every year and the other doesn't — this calculator lets you see that difference directly instead of only modeling the flat-contribution case.

How SWP Withdrawal Planning Works

  1. 1SWP is the reverse of SIPA Systematic Withdrawal Plan takes a set amount out of your mutual fund every month, while the rest stays invested and keeps earning. Retirees often use it as a monthly income.
  2. 2How long the money lasts depends on withdrawal versus returnIf you withdraw less than the fund earns, the balance can even grow. If you withdraw more, it shrinks and runs out at some point. The calculator shows which is happening, when the money would run out, and the highest monthly withdrawal that lasts your chosen period.
  3. 3Plan for rising costsA withdrawal that feels enough today buys less in ten years. Use "Raise the withdrawal every year" to see whether your money still lasts when you take more each year.

The SIP Formula

FV = P × [((1 + r)ⁿ − 1) / r] × (1 + r)
P — monthly SIP amount
r — expected monthly return (annual rate ÷ 12 ÷ 100)
n — number of months invested

Example: ₹10,000/month at 12% expected annual return for 10 years → future value ≈ ₹23,23,391 on ₹12,00,000 invested. If you set a step-up percentage, the calculator simulates the increasing monthly amount month by month instead of using this single formula, since a step-up SIP has no clean closed-form equation.

Lumpsum: FV = amount × (1 + yearly return)ʸᵉᵃʳˢ. SWP works in reverse: the balance earns the monthly return while the withdrawal comes out, worked out month by month until the period ends or the money runs out.

Frequently Asked Questions

How is SIP return calculated?

Each instalment is invested at the start of the month and grows at the monthly rate (yearly return ÷ 12). For a fixed SIP this is FV = P × [((1 + r)ⁿ − 1) ÷ r] × (1 + r). This is the method most Indian SIP calculators use, so results match what you see elsewhere. For example, ₹10,000 a month at 12% for 10 years grows to about ₹23.2 lakh on ₹12 lakh invested.

What is a step-up SIP?

A step-up (or top-up) SIP raises the instalment by a set percentage every year. Starting at ₹10,000 and stepping up 10% a year, you invest about ₹19.1 lakh over 10 years and, at 12%, end with about ₹33.7 lakh, compared with ₹23.2 lakh for a flat ₹10,000 SIP.

How much SIP do I need for ₹1 crore?

At a 12% yearly return, about ₹19,800 a month for 15 years, about ₹10,000 a month for 20 years, or about ₹2,850 a month for 30 years. Use the Goal planner to work it out for your own target, time and return, with a step-up or inflation if you like.

What return should I assume?

It is your assumption, not a promise. Long-term equity funds have often been modelled at 10–12% a year, hybrid funds lower, and debt funds closer to FD rates. Try a cautious figure as well, to see a range rather than one number.

Why use the inflation option?

Money buys less over time. ₹1 crore in 15 years, at 6% inflation, is worth about ₹42 lakh in today's money. The inflation option shows the real value of your result, or in the Goal planner, how much more a goal will cost by the time you need it.

How does the SWP calculation work?

Your balance earns the monthly return and the withdrawal is taken at the end of each month; if you set a yearly increase, the withdrawal goes up once every 12 months. The calculator shows the balance left after your period, or when the money runs out, plus the most you could withdraw each month to last the full period.

Is the result after tax?

No, the figures are before tax. For equity mutual funds in FY 2026-27, gains on units held over 12 months are taxed at 12.5% above ₹1.25 lakh of gains a year, and at 20% if held for 12 months or less. Each SWP withdrawal counts as a partial sale, so only the gain part of it is taxed. Check with a tax adviser for your case.

Is this calculator free?

Yes. It is free with no sign-up, and everything is worked out in your browser.