India Wealth Journey & SIP + SWP Calculator
One complete timeline: invest with step-up, add lump sums in any month, compound your corpus, and project SWP withdrawals.
How the India Wealth Journey (SIP → Growth → SWP) Calculator Works
Our updated India Wealth Journey calculator lets you map your entire financial lifecycle on a single timeline. Model your monthly SIP investments with annual step-up, add custom one-time lump sums in any month, watch your corpus compound after contributions end, and project your Systematic Withdrawal Plan (SWP) in retirement.
Systematic Investment Plan (SIP) with Step-Up
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds. By adding an annual step-up percentage (e.g., 10%), your monthly contribution grows each year in tandem with your salary increases. This significantly accelerates wealth compounding over a 10–20 year horizon.
Adding One-Time Lump Sums
Whether you receive an annual bonus, tax refund, or inheritance, adding lump sums into your portfolio boosts compounding returns. This tool allows you to schedule multiple one-time payments in any specific year and month of your investment timeline.
Systematic Withdrawal Plan (SWP) with Inflation Step-Up
In retirement, a Systematic Withdrawal Plan (SWP) provides a predictable monthly cash flow while keeping your remaining capital invested in return-generating mutual funds. By setting an annual SWP step-up (e.g., 5%), your monthly withdrawals automatically increase each year to protect your purchasing power against inflation.
Managing Corpus Depletion
If your monthly SWP withdrawals exceed your investment returns, the calculator automatically detects when your fund will run out of money and displays a prominent warning indicator, allowing you to adjust your withdrawal rate or let your corpus compound for longer before starting SWP.
Frequently Asked Questions
Assuming an average expected mutual fund return rate of 12% per annum, a monthly SIP of ₹10,000 over 10 years (total investment of ₹12 Lakhs) grows to approximately ₹23.2 Lakhs, yielding ₹11.2 Lakhs in net capital growth.
A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your mutual fund corpus at regular intervals, usually monthly. It is commonly used in retirement to generate a steady income stream while the remaining corpus continues to grow.
Adding lump sums (like annual bonuses or festival gifts) alongside regular SIPs significantly boosts compounding. Each lump sum starts compounding immediately, compounding exponentially over the remaining timeline.
A step-up SIP automatically increases your monthly investment by a fixed percentage each year, typically matching your salary growth. This helps you build a larger corpus without stretching your finances early on, accelerating long-term wealth creation.