SWPtoolkit
Calculator

SIP with SWP Calculator

Keep investing every month while an SWP runs alongside it from a year you choose — and see the corpus you are left with at the end.

This SIP with SWP calculator runs both at the same time. Your SIP keeps adding money every month, while from a year you choose an SWP starts pulling a fixed amount out — for example, to cover a home-loan EMI. It then shows the corpus remaining at the end of your chosen period.

Why run a SIP and SWP together?

Life is rarely “save first, spend later.” You might keep investing for the long term while also needing a regular sum part-way through — for an EMI, a child’s fees, or extra monthly income. This tool models that overlap: the SIP and the SWP run side by side on the same fund, which grows on whatever balance is left each month.

How the calculation works

Every month the calculator adds your SIP, grows the balance at your expected return, and — once the SWP start year arrives — subtracts your withdrawal. Because contributions and withdrawals hit the same pot, the final corpus reflects both forces at once. If the withdrawals ever outrun the fund, the tool flags the month it would run dry.

💡 Worked example

Invest ₹20,000 a month for 25 years at 12%, and from year 10 also withdraw ₹25,000 a month. You put in ₹60 lakh and pull out ₹48 lakh along the way — yet the corpus at year 25 is still about ₹2.36 crore, because the untouched balance keeps compounding.

FAQ

SIP with SWP questions

Can a SIP and SWP really run at the same time?
Yes. They are simply two instructions on the same folio — one adds a fixed amount each month, the other redeems a fixed amount. Many investors keep a long-term SIP going while drawing an SWP for a specific need such as an EMI.
Does the SWP reduce my final corpus?
It does, because every rupee withdrawn also gives up its future growth. In the example above, the same SIP with no SWP would reach about ₹3.8 crore instead of ₹2.36 crore — the gap is the withdrawals plus their lost compounding.
What return should I assume?
Use a realistic long-term figure — roughly 11–13% for diversified equity, lower for hybrid or debt funds. The same rate is applied across the whole period in this tool.
What if I want the SWP to start only after the SIP ends?
Set the SWP start year to the year after your SIP finishes. The calculator then behaves like a classic build-then-withdraw plan, with no overlap between investing and withdrawing.
Keep exploring

Related calculators