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.
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.