SIP & SWP Calculator

Plan your retirement

A short walkthrough: first how much you save while working, then how you spend in retirement — always in today’s purchasing power.

Other tools often show a big future face value that looks impressive. We’ll lead with what that money is really worth in today’s money, and label future numbers clearly so the difference is easy to see.

Start with 0 if you’re just beginning. Mid-career? Add what you’ve already invested — it grows with your future SIPs.

Step 1 · Build your savings (SIP)

While you’re working, how much will you invest each month, and for how many years? We’ll include any savings you already have, and show what your nest egg is worth in today’s money first.

How this SIP calculator works

Plan retirement savings for a working professional:

  • set a monthly investment amount
  • estimate how many years you will be saving
  • enter the estimated annual growth rate
  • results lead with purchasing power in today’s money
  • future face value is shown separately and labeled clearly

Can be 0 if you’ll only grow what you already have.

Step 2 · Spend in retirement (SWP)

Now choose a monthly withdrawal. We’ll translate it into today’s purchasing power so you can compare it to what you spend now.

How this SWP calculator works

Plan withdrawals from retirement savings:

  • default nest egg is your SIP result (future face value at retirement)
  • choose a withdrawal framed in today’s purchasing power
  • enter growth on the remaining corpus
  • see how long savings last, with the chart in today’s money and future face value