SIP / SWP Calculator
Model monthly investment accumulation (SIP) or retirement drawdown (SWP) with optional inflation and tax adjustments. No signup. Nothing stored.
| Year | Principal | Growth | Tax | Net |
|---|---|---|---|---|
| Y1 | $30,000 | $1,341 | $0 | $31,341 |
| Y2 | $61,500 | $5,860 | $0 | $67,360 |
| Y3 | $94,575 | $14,024 | $0 | $108,599 |
| Y4 | $129,304 | $26,355 | $0 | $155,659 |
| Y5 | $165,769 | $43,435 | $0 | $209,204 |
| Y6 | $204,057 | $65,910 | $0 | $269,967 |
| Y7 | $244,260 | $94,501 | $0 | $338,761 |
| Y8 | $286,473 | $130,009 | $0 | $416,483 |
| Y9 | $330,797 | $173,326 | $0 | $504,123 |
| Y10 | $377,337 | $225,440 | $0 | $602,777 |
| Y11 | $426,204 | $287,449 | $0 | $713,652 |
| Y12 | $477,514 | $360,571 | $0 | $838,085 |
| Y13 | $531,389 | $446,158 | $0 | $977,548 |
| Y14 | $587,959 | $545,707 | $0 | $1,133,666 |
| Y15 | $647,357 | $660,876 | $0 | $1,308,233 |
About this tool
A Systematic Investment Plan (SIP) spreads regular monthly contributions into a portfolio that compounds over time. A Systematic Withdrawal Plan (SWP) does the reverse: you start with a lump sum and withdraw a fixed amount each month while the remainder keeps growing. This calculator projects both scenarios year by year so you can see principal, returns, estimated tax drag, and net balance at each horizon.
Choose a region preset — USA, UK, EU, or India — to label inputs appropriately (for example SIP/SWP for India, ISA or 401(k) language for other markets). Toggle inflation adjustment to see real (purchasing-power) values instead of nominal ones. Toggle capital gains tax drag to apply a simplified regional tax rate to gains or withdrawals. All math runs locally in your browser; no financial data is sent to a server.
How the projection works
In accumulation mode, each month adds your contribution plus compound growth on the existing balance. If you set an annual step-up, the monthly contribution increases by that percentage every year. In drawdown mode, growth is applied to the remaining pool before your fixed monthly withdrawal is deducted. When the pool would go negative, withdrawals stop at zero. Year-end snapshots feed the chart and ledger table.
Tax and inflation figures are illustrative defaults per region, not personalised advice. Export CSV or PDF reports for your own records, or use the Tax & Compliance tab for links to official regulatory sources. Always confirm limits and rates with a qualified adviser.