A LITTLE CLARITY. A BETTER PLAN.

SIP, Lumpsum
& SWP calculators

Explore how regular investing, a one-time investment, or monthly withdrawals could work over time.

Live estimates Private on your device

Understand SIP, Lumpsum and SWP

Editable illustrations in Indian rupees. These examples explain the calculation, not the returns you will earn.

SIP calculator

Estimate the future value of a regular monthly investment. Enter your monthly amount, time period and hypothetical annual return. Choose BEGIN or END of month for each investment.

SIP में हर महीने निवेश किया जाता है। आप मासिक राशि को हर साल प्रतिशत या तय रुपये से बढ़ा सकते हैं। उदाहरण: ₹5,000 प्रति माह, 1 वर्ष और 0% अनुमानित रिटर्न पर कुल निवेश और अनुमानित मूल्य दोनों ₹60,000 होंगे।

Use the SIP calculator

Lumpsum calculator

Estimate the growth of a single upfront investment. For example, ₹1,00,000 at a constant hypothetical 10% annual return becomes ₹1,21,000 after 2 years, before costs and taxes.

Lumpsum में एक बार निवेश किया जाता है। अपनी शुरुआती राशि, अवधि और अनुमानित सालाना रिटर्न बदलकर अलग-अलग संभावनाएँ देखें। रिटर्न की गारंटी नहीं है।

Use the Lumpsum calculator

SWP withdrawal calculator

Estimate monthly withdrawals and the investment left over. Choose BEGIN or END of month for each withdrawal. Choose fixed withdrawals, a compounded annual percentage increase, or a fixed rupee addition each year.

SWP में निवेश से हर महीने राशि निकाली जाती है। ₹10,000 की मासिक निकासी में सालाना 5% वृद्धि से दूसरे वर्ष ₹10,500 और तीसरे वर्ष ₹11,025 निकासी होगी। हर साल ₹500 जोड़ने पर तीसरे वर्ष ₹11,000 होंगे। बढ़ोतरी महीने 13, 25 आदि से लागू होती है; यह नया निवेश नहीं है।

Use the SWP calculator

THE SMALL PRINT, MADE CLEAR

Understand the assumptions.

Annual returns are effective rates. The monthly rate is (1 + annual rate)^1/12 − 1.
Choose BEGIN or END timing for SIP investments and SWP withdrawals. BEGIN happens before that month’s growth or loss; END happens after it. SIP defaults to BEGIN and SWP to END. Lumpsum is invested once at the start.
SIP annual investment increases and SWP annual withdrawal increases begin with payment 13 and repeat every 12 payments. Percentage increases compound; rupee increases add the same amount to the monthly payment each year. SIP increases add contributions; SWP increases take more out and do not add money to your investment.
Each projection uses a constant return. Real market returns vary, and the timing of returns can significantly change SWP outcomes.
No taxes, fees, exit loads, inflation, or missed payments are included. SIP contributions and SWP withdrawals stay fixed unless you choose an annual increase. Values are rounded for display only.
15%, 18%, 20%, and 22% are optional hypothetical scenarios, not historical performance, forecasts, or recommendations.