SIP Calculator with Inflation + SWP Retirement Planner India

Calculate SIP growth with real (inflation-adjusted) returns, simulate SWP drawdown, and plan the retirement corpus you need.

Updated: May 2026

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⚠️ Illustration Only: All figures use constant assumed returns as entered by you. Actual mutual fund returns are market-linked, fluctuate, and cannot be predicted. Past performance does not guarantee future results. These projections are not investment advice or a recommendation to invest.
📈 SIP Growth Calculator
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💸 SWP Withdrawal Simulator
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🏖️ Retirement Corpus Calculator
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What does this SIP & SWP calculator do?

This comprehensive financial tool helps Indian investors bridge the gap between "nominal numbers" and "real-world value." Unlike basic SIP calculators, it factors in inflation to show you what your future wealth will actually buy in today's terms. It supports three distinct modes: SIP growth for wealth creation, SWP simulation for monthly income, and a dedicated retirement planner to find your "magic number" based on current expenses.

How is SIP and SWP calculated?

The SIP calculation uses the Future Value of an Annuity formula. For SWP, we use a recursive drawdown model where the balance grows by the monthly interest rate and is then reduced by the monthly withdrawal amount. To calculate "Real Value," we discount the final nominal corpus by the inflation rate compounded over the investment tenure.

Formula: SIP FV = P × [((1 + r)^n - 1) / r] × (1 + r)
Example: Monthly SIP (P) = ₹10,000 | Rate (r) = 1% (12%/12) | Tenure (n) = 120 months (10 yrs)
Result: Nominal Corpus = ₹23,23,391. If inflation is 6%, the Real Value in today's terms is ~₹12,97,000.

Who should use this calculator?

This tool is essential for salaried professionals planning for long-term goals like retirement or a child's education. It is particularly useful for "FIRE" (Financial Independence, Retire Early) aspirants in India who need to account for high healthcare and lifestyle inflation. Freelancers can also use the SWP mode to simulate how to manage lumpy income or create a "salary" from their investment portfolio during dry months.

Worked Example: The Road to ₹5 Crores

Consider Rahul, a 30-year-old software engineer in Bangalore with monthly expenses of ₹60,000. He wants to retire at 50 (20 years from now). Assuming 6% inflation, his ₹60k expense will balloon to ₹1,92,400 by the time he retires. To sustain this lifestyle for 30 years post-retirement (assuming 8% return), he needs a corpus of approximately ₹4.8 Crores.

To reach this goal, Rahul needs to start an SIP of ₹50,000 per month today (assuming a 12% equity return). If he increases his SIP by 10% every year (Step-up SIP), his required starting amount would be significantly lower. This example highlights why accounting for inflation is non-negotiable for Indian retirement planning.

Frequently Asked Questions

Inflation reduces the purchasing power of your money over time. While your SIP might grow to ₹1 crore in 20 years, that amount will only buy what ~₹31 lakh buys today (at 6% inflation). This calculator shows both the nominal amount and the inflation-adjusted "real value" to help you plan accurately.
A common rule of thumb is the 4% rule, but in India, with higher inflation, many experts suggest a 3-4% initial withdrawal rate from a balanced portfolio. It is crucial to ensure your withdrawal rate is lower than your expected portfolio return to prevent corpus depletion.
Always plan using real returns (Nominal Return minus Inflation). If you expect 12% returns and 6% inflation, your wealth is actually growing at ~6% in terms of purchasing power. Planning with nominal returns often leads to underestimating the corpus needed for a comfortable retirement.
Yes, Systematic Withdrawal Plan (SWP) is an excellent tool for generating monthly income from mutual funds, especially after retirement. It is also more tax-efficient than IDCW (formerly dividend) options because only the capital gains portion of the withdrawal is taxed.
To get ₹1 lakh per month (inflation-adjusted) for 30 years, assuming a 6% inflation and 8% post-retirement return, you would need approximately ₹2.8 to ₹3 crore today. However, if you retire 20 years from now, that ₹1 lakh expense will have grown to ~₹3.2 lakh due to inflation, requiring a much larger corpus.
⚠️ Returns are assumed constant for illustration. Actual market returns fluctuate. Past performance does not guarantee future results. Full Disclaimer