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.

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📈 SIP Growth Calculator

Monthly SIP Amount (₹)

₹

Expected Annual Return (%)

6%12%20%

Investment Period (Years)

1yr10 years40yr

Inflation Rate (%)

3%6%10%

💸 SWP Withdrawal Simulator

Starting Corpus (₹)

₹

Monthly Withdrawal (₹)

₹

Portfolio Return (%/yr)

5%10%15%

Inflation on Withdrawals (%/yr)

0%6%10%

Simulation Period (Years)

5yr30 years50yr

🏖️ Retirement Corpus Calculator

Current Monthly Expenses (₹)

₹

Years to Retirement

Inflation Rate (%)

4%6%9%

Post-Retirement Return (%)

5%8%12%

Retirement Duration (Years)

Pre-Retirement Return (%)

8%12%18%

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Frequently Asked Questions

What is rupee cost averaging in SIP?+

Rupee cost averaging means that when markets are down, your fixed monthly SIP amount buys more units, and when markets are up, it buys fewer units. Over time, this averaging reduces the impact of market volatility on your overall purchase price.

What is a safe withdrawal rate for SWP in India?+

The classic "4% rule" was designed for US markets. For India, a 3–3.5% initial withdrawal rate is more conservative and accounts for higher inflation. Use our SWP simulator with inflation toggled on to see how long your corpus lasts at different withdrawal rates.

How much corpus do I need to retire in India?+

A rough rule of thumb: 25–30× your annual expenses at retirement. But this depends heavily on inflation, your expected returns, and how long you'll need the money. Use the Retirement Goal tab above for a personalised calculation.