SIP/SWP Calculator

Plan your investments to meet future withdrawal needs.

Runs in your browser — your data never leaves your device

Financial Assumptions

Currency

Desired Monthly Withdrawal (in future)

Investment Period (SIP Years)

Withdrawal Period (SWP Years)

SIP Return Rate (% p.a.)

SWP Return Rate (% p.a.)

Inflation Rate (% p.a.)

Your Plan

Target Nest Egg in 15 years

$958,910

Required Monthly SIP

$1,919

to reach your goal

Plan your investment-to-retirement journey by calculating the monthly SIP contribution needed to build a corpus that supports your desired withdrawal amount for life.

How SIP Works

A Systematic Investment Plan (SIP) lets you invest a fixed amount at regular intervals into mutual funds or other assets. Over time, compound growth can significantly increase the value of your investments.

You invest a fixed amount monthly for a set number of years.
Each contribution earns returns that are reinvested, compounding over time.
Higher return rates and longer investment periods grow your corpus faster.
SIPs are a disciplined way to build wealth without timing the market.

How SWP Works

A Systematic Withdrawal Plan (SWP) is the reverse of SIP. After accumulating a corpus, you withdraw a fixed amount regularly to fund your living expenses during retirement.

The corpus continues to earn returns even as you withdraw from it.
The calculator adjusts returns for inflation to show real purchasing power.
If the real return rate is negative, the corpus cannot sustain the desired withdrawals.
A longer withdrawal period or lower monthly withdrawal extends how long your money lasts.

SIP vs SWP

SIP is the accumulation phase where you build wealth, while SWP is the distribution phase where you live off that wealth. Together they represent the full lifecycle of retirement planning: invest consistently during your working years, then withdraw systematically during retirement.

Frequently Asked Questions

What is a SIP calculator?

A SIP (Systematic Investment Plan) calculator estimates the future value of regular monthly investments at a given expected rate of return, helping you plan how much to invest to reach a financial goal.

What is a SWP calculator?

A SWP (Systematic Withdrawal Plan) calculator determines how much you can withdraw each month from a lump sum investment over a set period while maintaining a balance, or how long your corpus will last at a given withdrawal rate.

How do I use the SIP calculator?

Enter your target amount, expected annual return rate, and investment duration. The calculator computes the monthly SIP amount needed to achieve your goal.

Does it account for inflation?

You can enter an inflation-adjusted return rate for more realistic estimates. The tool calculates both nominal and real returns to give a clearer picture of purchasing power.

Is this calculator free?

Yes, ToolDock's SIP/SWP calculator is completely free, requires no signup, and runs entirely in your browser.

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How SIP Works

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Frequently Asked Questions

What is a SIP calculator?

What is a SWP calculator?

How do I use the SIP calculator?

Does it account for inflation?

Is this calculator free?

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