SIP + SWP Calculator

It is one plan run in two halves. A Systematic Investment Plan pays a fixed sum into a fund on a fixed schedule while you are earning; a Systematic Withdrawal Plan sells enough units on a fixed schedule to pay a fixed sum back out once you are not. The corpus the first half builds is the corpus the second half spends, which is why they belong on one page rather than two.

Each half has its own schedule, set independently. The amount you enter is one instalment or one withdrawal on that schedule, so ₹5,000 weekly is ₹2.6 lakh a year while ₹5,000 quarterly is ₹20,000. A period earns the annual return divided by the number of periods in a year, and money moves at the start of each period — the same convention the monthly SIP and SWP calculators use, so a monthly plan’s instalments and withdrawals match them exactly. Money already invested is the exception: it grows by the period rate here, where the SIP & Lumpsum page compounds a lumpsum once a year, so the same amount ends higher on this page.

Because it compounds more often at the same headline rate. Fifty-two periods of one fifty-second of the annual rate come to a little more than twelve periods of one twelfth, which is the nominal convention the whole Indian industry quotes returns in. The gap is small — a fraction of a percent a year — and it is arithmetic, not an argument for paying weekly.

Yes, and it is the common case. People usually pay in monthly because a salary arrives monthly, then draw quarterly or monthly in retirement depending on how they want their expenses covered. The two dropdowns are independent, and the handover between them carries the whole corpus across whatever schedules you pick.

Everything the paying-in half bought is carried over — not just its value, but every instalment as its own lot, at the price that instalment paid and dated the day it paid it. That is what makes the tax figures real: redemptions sell the oldest units first, so the calculator knows exactly which units went and how long they had been held.

Because the first question is whether the plan works at all — whether the corpus you build is large enough to fund the withdrawals you want for as long as you want them. Tax narrows the answer rather than changing its shape. Switch it on once the plan stands up, and the page prices each redemption under the current Indian capital-gains rules.

For equity funds, gains on units held more than twelve months are long-term and taxed at the long-term rate above a yearly exemption, which is applied per financial year in the order gains are realised; gains on units held twelve months or less are short-term at the higher rate. Debt funds bought after April 2023 are taxed at your slab with no exemption. The health and education cess is included; surcharge is not, since it depends on your total income.

On the long-term side, usually more favourably at the start. First-in-first-out means the units sold first are the ones bought first, which are both the oldest and — in a rising market — the cheapest. They clear the twelve-month holding test comfortably, so almost nothing is short-term. Their low cost does mean the gain on each redemption is larger, which is why the calculator tracks lots rather than applying a blended profit ratio.

Because the two halves are usually two different portfolios. Money still being accumulated is normally held harder — more equity, more volatility, a longer horizon to absorb it — while money being spent is normally held more conservatively. A drawdown is also far more sensitive to an optimistic rate than an accumulation is, so tying both to one number would flatter the result.

The first withdrawal as a percentage of the corpus, annualised. Long-horizon retirement work treats the conservative end of 3–4% as defensible over thirty years; higher rates shorten the plan quickly. The page labels your rate against those bands, but they are rules of thumb drawn from historical sequences, not a guarantee about the next thirty years.

It leaves the corpus invested, untouched, between the last instalment and the first withdrawal — time added on top of the drawing-out years, not taken from them. Two things follow: the corpus grows for longer, so the same withdrawal is a smaller share of it, and the units have been held longer when they finally go, which can move gains from short-term to long-term. On a SIP-built corpus the second effect is usually small, because the oldest units are already well past twelve months.

If you want them to keep buying the same things, yes — a flat withdrawal loses purchasing power at the inflation rate every year, and over a twenty-five-year retirement that is most of it. Stepping withdrawals up in line with inflation is the honest default; the trade is that the corpus drains faster, which the chart shows immediately.

It will be close but rarely identical. This treats each instalment and each withdrawal as landing at the start of its period at a single flat return. A real plan transacts on a specific date at that day’s NAV, so the units actually bought and sold depend on the path the price took, not just its average. Expense ratios, exit loads and STT are not priced here.

No. A withdrawal from a mutual fund is a redemption, not income, so only the gain embedded in the units you sold is taxable — the capital you originally put in comes back untaxed. That is the structural reason an SWP is usually taxed more lightly than a fixed deposit paying the same amount, where every rupee of interest is taxable in the year it accrues.

The page says which month it happens and offers the largest starting withdrawal that would have lasted the full term instead. That figure is solved exactly rather than searched for, and it is rounded down — rounding a sustainable withdrawal up is precisely what stops it being sustainable.