SIP & SWP Calculator
Build with SIP, draw with SWP — two calculators on one page for accumulation and retirement income planning.
Build with SIP, draw with SWP — two calculators on one page for accumulation and retirement income planning.
On LoanWala India (calculatoremi.in), this SIP & SWP calculator serves Indian users comparing personal, home, and vehicle loan EMIs. All-purpose loan EMI calculator for Indian borrowers. India (.in) multi-loan EMI education with rupee framing.
A Systematic Investment Plan (SIP) invests a fixed amount at regular intervals—usually monthly—in mutual funds. Returns compound as each installment stays invested.
Future value of a monthly SIP is commonly estimated with: FV = P × [((1 + i)^n − 1) / i] × (1 + i), where P is the monthly investment, i is the monthly expected return, and n is the number of months.
Investing ₹10,000 per month for 15 years at an assumed 12% annual return can grow into a multi-lakh corpus; actual market returns vary year to year.
Switch between SIP and lumpsum in the tool to compare disciplined monthly investing versus a one-time investment for the same horizon.
Align SIP amount with surplus income you can continue through market ups and downs. Increase the SIP when income rises (or use a Step Up SIP).
Assumed returns are not guarantees. Use conservative rates for goal planning and review asset allocation as goals approach.
Figures on LoanWala India are estimates for education only—not financial, tax, or investment advice. Confirm rates, fees, and terms with your lender or fund house.