SIP · SWP · XIRR · Tax-aware

SIP + SWP Planner

Annual or monthly · Step-up · Deferment · LTCG tax · 4 solve modes

Payment frequency

What do you want to find out?

📈

Solve XIRR

Required Return

Know your plan — find the minimum annual return needed to make it work.

⏳

Solve Years

How Long Will It Last?

Set a target return — find how many years your corpus sustains withdrawals.

💸

Solve Withdrawal

Max I Can Withdraw

Know your return & period — find the highest safe withdrawal amount.

🎯

Goal Planning

How Much to Invest?

Have a target corpus (₹1 Cr?) — find the SIP amount needed to reach it.

Investment Phase

You put money in

Annual investment (₹) you set

Year 1 amount. Grows each year by step-up rate below.

Annual step-up 10%

Investment period (years)

Years you keep investing before stopping.

🎯 Goal Details

Target corpus (₹)

Corpus you want by end of investment phase.

Assumed XIRR (%)

Deferment Phase

Corpus grows, no activity

Gap before first withdrawal 5 yrs

Withdrawal Phase

You take money out

Annual withdrawal (₹) you set

Year 1 amount. Grows by step-up (e.g. to beat inflation).

Annual step-up 6%

Withdrawal period (years)

How many years the money must last.

Inflation & Tax

Optional but important

Inflation (%)

For real corpus value.

Tax on withdrawals (%)

LTCG=12.5%, Debt=slab.

Tax-free limit/yr (₹)

₹1.25L for LTCG equity.

Results also update automatically as you change inputs

Your plan at a glance

Total invested

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Gross withdrawals

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After-tax withdrawals

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Withdrawal multiple

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Required XIRR

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Enter inputs and click Calculate

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📊 Key Insights

Peak corpus —

Corpus depletes —

Avg monthly withdrawal (net) —

Real corpus value today —

Total wealth created —

Effective annual yield —

Total years (full plan) —

Monthly SIP equivalent —

Indian market benchmarks

FD / Post Office	6.5–7.5%
PPF / EPF	7.1–8.1%
Debt MF	7–9%
Balanced/Hybrid	10–12%
Nifty 50 Index	11–13%
Active/Mid-cap	13–17%

📈 Corpus Simulation

Stress-test your plan at different return scenarios — independent of the solve above.

Assumed return for simulation 12%

Drag to see how corpus changes at different market return scenarios.

Bear scenario

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Your assumption

12%

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Bull scenario

16%

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Corpus after investment

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Corpus after deferment

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Corpus after all withdrawals

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Investment phase

Deferment phase

Withdrawal phase

Year-by-year cash flow table ▼

Year	Phase	Cash flow	Corpus start	Return earned	Corpus end	Net CF (after tax)

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Disclaimer: CalcWealth is for informational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing. Tax calculations are simplified — consult a CA for your situation.