SIP + SWP

Build a corpus with a SIP, then draw a monthly income from it — in one plan.

SIP + SWP

Created for —

Ph : +91 91577 50328

Email : info@rupeenex.com

Generated on 21 Aug 2026

Current Age

35 Years

SIP End Age

50 Years

Monthly SIP

₹20,000

Expected Rate of Return

12.00%

Annual Step-Up

7.00%

Lumpsum Amount

₹10,000

SWP Start Age

55 Years

Withdrawal (Monthly)

₹60,000

Yearly Increase in Withdrawal

12.00%

Return (Post-retirement)

10.00%

After your withdrawals you would be left with ₹1.30 Crore

Year-wise Projection

Age	Phase	Invested (₹)	Withdrawn (₹)	Year End Corpus (₹)
35	SIP	₹2,40,000	₹0	₹2,66,530
36	SIP	₹2,56,800	₹0	₹5,71,717
37	SIP	₹2,74,776	₹0	₹9,32,650
38	SIP	₹2,94,010	₹0	₹13,57,358
39	SIP	₹3,14,591	₹0	₹18,54,926
40	SIP	₹3,36,612	₹0	₹24,35,631
41	SIP	₹3,60,175	₹0	₹31,11,088
42	SIP	₹3,85,388	₹0	₹38,94,423
43	SIP	₹4,12,365	₹0	₹48,00,458
44	SIP	₹4,41,230	₹0	₹58,45,927
45	SIP	₹4,72,116	₹0	₹70,49,711
46	SIP	₹5,05,164	₹0	₹84,33,108
47	SIP	₹5,40,526	₹0	₹1,00,20,133
48	SIP	₹5,78,363	₹0	₹1,18,37,854
49	SIP	₹6,18,848	₹0	₹1,39,16,774

Generated via rupeenex.com calculatorsPage 1 of 3Powered by RupeeNex

SIP + SWP · continued

Age	Phase	Invested (₹)	Withdrawn (₹)	Year End Corpus (₹)
50	Holding	₹0	₹0	₹1,55,86,787
51	Holding	₹0	₹0	₹1,74,57,201
52	Holding	₹0	₹0	₹1,95,52,065
53	Holding	₹0	₹0	₹2,18,98,313
54	Holding	₹0	₹0	₹2,45,26,111
55	SWP	₹0	₹7,20,000	₹2,62,58,722
56	SWP	₹0	₹8,06,400	₹2,80,78,194
57	SWP	₹0	₹9,03,168	₹2,99,82,845
58	SWP	₹0	₹10,11,548	₹3,19,69,582
59	SWP	₹0	₹11,32,934	₹3,40,33,606
60	SWP	₹0	₹12,68,886	₹3,61,68,080
61	SWP	₹0	₹14,21,152	₹3,83,63,736
62	SWP	₹0	₹15,91,691	₹4,06,08,419
63	SWP	₹0	₹17,82,693	₹4,28,86,567
64	SWP	₹0	₹19,96,617	₹4,51,78,608
65	SWP	₹0	₹22,36,211	₹4,74,60,258
66	SWP	₹0	₹25,04,556	₹4,97,01,727
67	SWP	₹0	₹28,05,103	₹5,18,66,797
68	SWP	₹0	₹31,41,715	₹5,39,11,762
69	SWP	₹0	₹35,18,721	₹5,57,84,217
70	SWP	₹0	₹39,40,967	₹5,74,21,672
71	SWP	₹0	₹44,13,883	₹5,87,49,956
72	SWP	₹0	₹49,43,549	₹5,96,81,402
73	SWP	₹0	₹55,36,775	₹6,01,12,766
74	SWP	₹0	₹62,01,188	₹5,99,22,855
75	SWP	₹0	₹69,45,331	₹5,89,69,809
76	SWP	₹0	₹77,78,771	₹5,70,88,019

Generated via rupeenex.com calculatorsPage 2 of 3Powered by RupeeNex

SIP + SWP · continued

Age	Phase	Invested (₹)	Withdrawn (₹)	Year End Corpus (₹)
77	SWP	₹0	₹87,12,223	₹5,40,84,598
78	SWP	₹0	₹97,57,690	₹4,97,35,368
79	SWP	₹0	₹1,09,28,613	₹4,37,80,292
80	SWP	₹0	₹1,22,40,046	₹3,59,18,275
81	SWP	₹0	₹1,37,08,852	₹2,58,01,250
82	SWP	₹0	₹1,53,53,914	₹1,30,27,461

Calculators are for illustration only and do not represent guaranteed returns. Mutual Fund investments are subject to market risks; loan figures are indicative. Please read all scheme / loan related documents carefully before investing or borrowing.

Generated via rupeenex.com calculatorsPage 3 of 3Powered by RupeeNex

Adjust your inputs

SIP Phase

Current AgeYearsSIP End AgeYears

Monthly SIP Amount₹

₹1,000₹2,00,000

Annual Return%Annual Step-Up%

Lumpsum Amount₹

₹10,000₹20,00,000

SWP Phase

SWP Start AgeYears

18 Years100 Years

Monthly Withdrawal₹

₹10,000₹50,00,000

Yearly Increase%Return During Withdrawal%

Corpus at Age 55

₹2,45,26,111

Total Withdrawn

₹13,73,03,199

Remaining Corpus

₹1,30,27,461

Corpus lasts through age 82

SIP PhaseHolding PhaseSWP Phase

⚠ Disclaimer

Past performance may or may not be sustained in future and is not a guarantee of any future returns.
Please note that these calculators are for illustrations only and do not represent actual returns.
Mutual Funds do not have a fixed rate of return and it is not possible to predict the rate of return.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

I Am Ready to Invest