How does the SIP + SWP calculator work?

It first projects your SIP corpus using compound growth over your investment years, then simulates monthly SWP withdrawals from that corpus in retirement — showing you a single, continuous timeline from wealth building to income generation.

Can I increase my withdrawal every year to keep up with inflation?

Yes — use the 'Annual Withdrawal Increase' field to simulate a withdrawal that grows each year, which more realistically reflects rising living costs in retirement.

Our Signature Tool

SIP + SWP Calculator

This is HelloWealth's signature calculator. Set your SIP amount and years until retirement to see your corpus grow — then simulate switching to a monthly SWP withdrawal to see exactly how long your retirement income lasts.

Phase 1

Build wealth through SIP

Set your monthly investment and how long you'll invest before retiring.

Accumulation Phase

Monthly SIP Investment

₹/mo

Expected Return (SIP Phase)

% p.a.

Years Until Retirement

years

Withdrawal Phase

Desired Monthly Withdrawal

₹/mo

Expected Return (SWP Phase)

% p.a.

Annual Withdrawal Increase

%/yr

Your income sustains for the full 30-year withdrawal simulation.

Corpus at Retirement

₹2,49,78,698

Total Invested

₹60,00,000

Total Withdrawn

₹4,78,35,970

FAQs

Questions about the SIP + SWP Calculator

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