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

I know my plan. Tell me the minimum annual return I need to make it work.

⏳

Solve Years

How Long Will It Last?

I have a target return. Tell me how many years my corpus will sustain withdrawals.

💸

Solve Withdrawal

Max I Can Withdraw

I know my return & withdrawal period. Tell me the highest safe withdrawal amount.

🎯

Goal Planning

How Much to Invest?

I have a target corpus (e.g. ₹1 Cr). Tell me the SIP amount I need to reach it.

Investment Phase

You put money in

Annual investment (₹) you set

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

Step-up per year 10%

Investment period (years)

How many years you will keep investing before stopping.

🎯 Goal Details

Target corpus (₹)

The corpus you want to build by end of investment phase.

Assumed XIRR (%)

Expected annual return on your investment.

Deferment Phase

Corpus grows, no activity

Gap before first withdrawal 5 yrs

Withdrawal Phase

You take money out

Annual withdrawal (₹) you set

Year 1 withdrawal. Grows each year by step-up rate.

Step-up per year 6%

Withdrawal period (years)

How many years you need the money to last.

Inflation & Tax

Optional but important

Inflation rate (%)

Used to calculate real value of residual corpus.

Tax on withdrawals (%)

LTCG equity = 12.5%. Debt funds = your slab rate.

Tax-free limit / yr (₹)

₹1.25L exempt for LTCG equity gains per year.

Your plan at a glance

Required XIRR

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Minimum return needed for corpus to zero out after last withdrawal

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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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Corpus simulation — adjust assumed return to stress-test your plan

Assumed return 12%

This slider is independent of the solve above — use it to see how your corpus behaves at different return scenarios.

After investment phase

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After deferment

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After all withdrawals

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Real residual (inflation adj.)

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Corpus depletes in

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Avg net withdrawal / yr

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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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Indian market benchmarks — what to expect

Instrument	Typical return	Note
FD / Post Office	6.5–7.5%	Safe, inflation risk over long term
PPF / EPF	7.1–8.1%	Tax-free, 15yr lock-in
Debt Mutual Funds	7–9%	Taxed at slab rate
Balanced / Hybrid Funds	10–12%	Good for medium-long goals
Nifty 50 Index Fund	11–13%	LTCG 12.5% above ₹1.25L
Active Equity / Mid-cap	13–17%	Higher risk, longer horizon needed

Disclaimer: CalcWealth is a free calculator for informational and educational purposes only. Results are estimates based on the assumptions you enter. This is not investment advice. Past market returns do not guarantee future results. Consult a SEBI-registered investment advisor before making financial decisions. Tax calculations are simplified — consult a CA for your specific situation.