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Retirement Planner

Plan your retirement with SIP and SWP strategies combined

You plan to invest ₹60 Thousand per month via SIP.

You plan to invest for 10 years.

%

You expect about 12% annual returns during SIP.

You plan to withdraw ₹1.5 Lakh per month.

You plan to withdraw for 15 years.

%

You expect about 12% annual returns during SWP.

%

Your SIP will increase by 0% each year.

You plan a 2-year gap between SIP end and SWP start.

You plan to start your SIP in 2025.

Your monthly withdrawals will grow by 6% each year (to keep up with inflation).

SIP & SWP Growth Chart

Investment Milestones

SIP Phase
72.00 Lakh invested
Grows to ₹1.38 Cr
10 years @ 12% p.a.
Stopgap Growth
1.38 Cr
to ₹1.75 Cr
2 years @ 12% p.a.
SWP Phase
4.19 Cr withdrawn
Starting at ₹1.50 Lakh/month
15 years @ 6% annual increase
Final Corpus
26.15 Lakh
After 27 years

Investment vs Withdrawal Table

Showing all 324 records
MonthPhaseTxnClosing Balance
Jan 2025 (1)SIP+₹60K60,000
Feb 2025 (2)SIP+₹60K1.21 Lakh
Mar 2025 (3)SIP+₹60K1.82 Lakh
Apr 2025 (4)SIP+₹60K2.44 Lakh
May 2025 (5)SIP+₹60K3.06 Lakh
Jun 2025 (6)SIP+₹60K3.69 Lakh
Jul 2025 (7)SIP+₹60K4.33 Lakh
Aug 2025 (8)SIP+₹60K4.97 Lakh
Sep 2025 (9)SIP+₹60K5.62 Lakh
Oct 2025 (10)SIP+₹60K6.28 Lakh
Nov 2025 (11)SIP+₹60K6.94 Lakh
Dec 2025 (12)SIP+₹60K7.61 Lakh
Jan 2026 (13)SIP+₹60K8.29 Lakh
Feb 2026 (14)SIP+₹60K8.97 Lakh
Mar 2026 (15)SIP+₹60K9.66 Lakh
Apr 2026 (16)SIP+₹60K10.35 Lakh
May 2026 (17)SIP+₹60K11.06 Lakh
Jun 2026 (18)SIP+₹60K11.77 Lakh
Jul 2026 (19)SIP+₹60K12.49 Lakh
Aug 2026 (20)SIP+₹60K13.21 Lakh
Sep 2026 (21)SIP+₹60K13.94 Lakh
Oct 2026 (22)SIP+₹60K14.68 Lakh
Nov 2026 (23)SIP+₹60K15.43 Lakh
Dec 2026 (24)SIP+₹60K16.18 Lakh
Jan 2027 (25)SIP+₹60K16.95 Lakh
Feb 2027 (26)SIP+₹60K17.72 Lakh
Mar 2027 (27)SIP+₹60K18.49 Lakh
Apr 2027 (28)SIP+₹60K19.28 Lakh
May 2027 (29)SIP+₹60K20.07 Lakh
Jun 2027 (30)SIP+₹60K20.87 Lakh
Jul 2027 (31)SIP+₹60K21.68 Lakh
Aug 2027 (32)SIP+₹60K22.50 Lakh
Sep 2027 (33)SIP+₹60K23.32 Lakh
Oct 2027 (34)SIP+₹60K24.15 Lakh
Nov 2027 (35)SIP+₹60K25.00 Lakh
Dec 2027 (36)SIP+₹60K25.85 Lakh
Jan 2028 (37)SIP+₹60K26.70 Lakh
Feb 2028 (38)SIP+₹60K27.57 Lakh
Mar 2028 (39)SIP+₹60K28.45 Lakh
Apr 2028 (40)SIP+₹60K29.33 Lakh
May 2028 (41)SIP+₹60K30.23 Lakh
Jun 2028 (42)SIP+₹60K31.13 Lakh
Jul 2028 (43)SIP+₹60K32.04 Lakh
Aug 2028 (44)SIP+₹60K32.96 Lakh
Sep 2028 (45)SIP+₹60K33.89 Lakh
Oct 2028 (46)SIP+₹60K34.83 Lakh
Nov 2028 (47)SIP+₹60K35.78 Lakh
Dec 2028 (48)SIP+₹60K36.73 Lakh
Jan 2029 (49)SIP+₹60K37.70 Lakh
Feb 2029 (50)SIP+₹60K38.68 Lakh
Mar 2029 (51)SIP+₹60K39.66 Lakh
Apr 2029 (52)SIP+₹60K40.66 Lakh
May 2029 (53)SIP+₹60K41.67 Lakh
Jun 2029 (54)SIP+₹60K42.68 Lakh
Jul 2029 (55)SIP+₹60K43.71 Lakh
Aug 2029 (56)SIP+₹60K44.75 Lakh
Sep 2029 (57)SIP+₹60K45.80 Lakh
Oct 2029 (58)SIP+₹60K46.85 Lakh
Nov 2029 (59)SIP+₹60K47.92 Lakh
Dec 2029 (60)SIP+₹60K49.00 Lakh
Jan 2030 (61)SIP+₹60K50.09 Lakh
Feb 2030 (62)SIP+₹60K51.19 Lakh
Mar 2030 (63)SIP+₹60K52.30 Lakh
Apr 2030 (64)SIP+₹60K53.43 Lakh
May 2030 (65)SIP+₹60K54.56 Lakh
Jun 2030 (66)SIP+₹60K55.71 Lakh
Jul 2030 (67)SIP+₹60K56.86 Lakh
Aug 2030 (68)SIP+₹60K58.03 Lakh
Sep 2030 (69)SIP+₹60K59.21 Lakh
Oct 2030 (70)SIP+₹60K60.41 Lakh
Nov 2030 (71)SIP+₹60K61.61 Lakh
Dec 2030 (72)SIP+₹60K62.83 Lakh
Jan 2031 (73)SIP+₹60K64.05 Lakh
Feb 2031 (74)SIP+₹60K65.29 Lakh
Mar 2031 (75)SIP+₹60K66.55 Lakh
Apr 2031 (76)SIP+₹60K67.81 Lakh
May 2031 (77)SIP+₹60K69.09 Lakh
Jun 2031 (78)SIP+₹60K70.38 Lakh
Jul 2031 (79)SIP+₹60K71.69 Lakh
Aug 2031 (80)SIP+₹60K73.00 Lakh
Sep 2031 (81)SIP+₹60K74.33 Lakh
Oct 2031 (82)SIP+₹60K75.68 Lakh
Nov 2031 (83)SIP+₹60K77.03 Lakh
Dec 2031 (84)SIP+₹60K78.40 Lakh
Jan 2032 (85)SIP+₹60K79.79 Lakh
Feb 2032 (86)SIP+₹60K81.19 Lakh
Mar 2032 (87)SIP+₹60K82.60 Lakh
Apr 2032 (88)SIP+₹60K84.02 Lakh
May 2032 (89)SIP+₹60K85.46 Lakh
Jun 2032 (90)SIP+₹60K86.92 Lakh
Jul 2032 (91)SIP+₹60K88.39 Lakh
Aug 2032 (92)SIP+₹60K89.87 Lakh
Sep 2032 (93)SIP+₹60K91.37 Lakh
Oct 2032 (94)SIP+₹60K92.88 Lakh
Nov 2032 (95)SIP+₹60K94.41 Lakh
Dec 2032 (96)SIP+₹60K95.96 Lakh
Jan 2033 (97)SIP+₹60K97.52 Lakh
Feb 2033 (98)SIP+₹60K99.09 Lakh
Mar 2033 (99)SIP+₹60K1.01 Cr
Apr 2033 (100)SIP+₹60K1.02 Cr
May 2033 (101)SIP+₹60K1.04 Cr
Jun 2033 (102)SIP+₹60K1.06 Cr
Jul 2033 (103)SIP+₹60K1.07 Cr
Aug 2033 (104)SIP+₹60K1.09 Cr
Sep 2033 (105)SIP+₹60K1.11 Cr
Oct 2033 (106)SIP+₹60K1.12 Cr
Nov 2033 (107)SIP+₹60K1.14 Cr
Dec 2033 (108)SIP+₹60K1.16 Cr
Jan 2034 (109)SIP+₹60K1.17 Cr
Feb 2034 (110)SIP+₹60K1.19 Cr
Mar 2034 (111)SIP+₹60K1.21 Cr
Apr 2034 (112)SIP+₹60K1.23 Cr
May 2034 (113)SIP+₹60K1.25 Cr
Jun 2034 (114)SIP+₹60K1.27 Cr
Jul 2034 (115)SIP+₹60K1.28 Cr
Aug 2034 (116)SIP+₹60K1.30 Cr
Sep 2034 (117)SIP+₹60K1.32 Cr
Oct 2034 (118)SIP+₹60K1.34 Cr
Nov 2034 (119)SIP+₹60K1.36 Cr
Dec 2034 (120)SIP+₹60K1.38 Cr
Jan 2035 (121)Stopgap-1.39 Cr
Feb 2035 (122)Stopgap-1.41 Cr
Mar 2035 (123)Stopgap-1.42 Cr
Apr 2035 (124)Stopgap-1.44 Cr
May 2035 (125)Stopgap-1.45 Cr
Jun 2035 (126)Stopgap-1.47 Cr
Jul 2035 (127)Stopgap-1.48 Cr
Aug 2035 (128)Stopgap-1.49 Cr
Sep 2035 (129)Stopgap-1.51 Cr
Oct 2035 (130)Stopgap-1.52 Cr
Nov 2035 (131)Stopgap-1.54 Cr
Dec 2035 (132)Stopgap-1.56 Cr
Jan 2036 (133)Stopgap-1.57 Cr
Feb 2036 (134)Stopgap-1.59 Cr
Mar 2036 (135)Stopgap-1.60 Cr
Apr 2036 (136)Stopgap-1.62 Cr
May 2036 (137)Stopgap-1.63 Cr
Jun 2036 (138)Stopgap-1.65 Cr
Jul 2036 (139)Stopgap-1.67 Cr
Aug 2036 (140)Stopgap-1.68 Cr
Sep 2036 (141)Stopgap-1.70 Cr
Oct 2036 (142)Stopgap-1.72 Cr
Nov 2036 (143)Stopgap-1.74 Cr
Dec 2036 (144)Stopgap-1.75 Cr
Jan 2037 (145)SWP-₹1.5L1.76 Cr
Feb 2037 (146)SWP-₹1.5L1.76 Cr
Mar 2037 (147)SWP-₹1.5L1.76 Cr
Apr 2037 (148)SWP-₹1.5L1.76 Cr
May 2037 (149)SWP-₹1.5L1.77 Cr
Jun 2037 (150)SWP-₹1.5L1.77 Cr
Jul 2037 (151)SWP-₹1.5L1.77 Cr
Aug 2037 (152)SWP-₹1.5L1.77 Cr
Sep 2037 (153)SWP-₹1.5L1.78 Cr
Oct 2037 (154)SWP-₹1.5L1.78 Cr
Nov 2037 (155)SWP-₹1.5L1.78 Cr
Dec 2037 (156)SWP-₹1.5L1.78 Cr
Jan 2038 (157)SWP-₹1.6L1.79 Cr
Feb 2038 (158)SWP-₹1.6L1.79 Cr
Mar 2038 (159)SWP-₹1.6L1.79 Cr
Apr 2038 (160)SWP-₹1.6L1.79 Cr
May 2038 (161)SWP-₹1.6L1.79 Cr
Jun 2038 (162)SWP-₹1.6L1.80 Cr
Jul 2038 (163)SWP-₹1.6L1.80 Cr
Aug 2038 (164)SWP-₹1.6L1.80 Cr
Sep 2038 (165)SWP-₹1.6L1.80 Cr
Oct 2038 (166)SWP-₹1.6L1.80 Cr
Nov 2038 (167)SWP-₹1.6L1.81 Cr
Dec 2038 (168)SWP-₹1.6L1.81 Cr
Jan 2039 (169)SWP-₹1.7L1.81 Cr
Feb 2039 (170)SWP-₹1.7L1.81 Cr
Mar 2039 (171)SWP-₹1.7L1.81 Cr
Apr 2039 (172)SWP-₹1.7L1.81 Cr
May 2039 (173)SWP-₹1.7L1.82 Cr
Jun 2039 (174)SWP-₹1.7L1.82 Cr
Jul 2039 (175)SWP-₹1.7L1.82 Cr
Aug 2039 (176)SWP-₹1.7L1.82 Cr
Sep 2039 (177)SWP-₹1.7L1.82 Cr
Oct 2039 (178)SWP-₹1.7L1.82 Cr
Nov 2039 (179)SWP-₹1.7L1.82 Cr
Dec 2039 (180)SWP-₹1.7L1.82 Cr
Jan 2040 (181)SWP-₹1.8L1.83 Cr
Feb 2040 (182)SWP-₹1.8L1.83 Cr
Mar 2040 (183)SWP-₹1.8L1.83 Cr
Apr 2040 (184)SWP-₹1.8L1.83 Cr
May 2040 (185)SWP-₹1.8L1.83 Cr
Jun 2040 (186)SWP-₹1.8L1.83 Cr
Jul 2040 (187)SWP-₹1.8L1.83 Cr
Aug 2040 (188)SWP-₹1.8L1.83 Cr
Sep 2040 (189)SWP-₹1.8L1.83 Cr
Oct 2040 (190)SWP-₹1.8L1.83 Cr
Nov 2040 (191)SWP-₹1.8L1.83 Cr
Dec 2040 (192)SWP-₹1.8L1.83 Cr
Jan 2041 (193)SWP-₹1.9L1.83 Cr
Feb 2041 (194)SWP-₹1.9L1.83 Cr
Mar 2041 (195)SWP-₹1.9L1.83 Cr
Apr 2041 (196)SWP-₹1.9L1.83 Cr
May 2041 (197)SWP-₹1.9L1.83 Cr
Jun 2041 (198)SWP-₹1.9L1.83 Cr
Jul 2041 (199)SWP-₹1.9L1.83 Cr
Aug 2041 (200)SWP-₹1.9L1.82 Cr
Sep 2041 (201)SWP-₹1.9L1.82 Cr
Oct 2041 (202)SWP-₹1.9L1.82 Cr
Nov 2041 (203)SWP-₹1.9L1.82 Cr
Dec 2041 (204)SWP-₹1.9L1.82 Cr
Jan 2042 (205)SWP-₹2L1.82 Cr
Feb 2042 (206)SWP-₹2L1.82 Cr
Mar 2042 (207)SWP-₹2L1.82 Cr
Apr 2042 (208)SWP-₹2L1.81 Cr
May 2042 (209)SWP-₹2L1.81 Cr
Jun 2042 (210)SWP-₹2L1.81 Cr
Jul 2042 (211)SWP-₹2L1.81 Cr
Aug 2042 (212)SWP-₹2L1.81 Cr
Sep 2042 (213)SWP-₹2L1.80 Cr
Oct 2042 (214)SWP-₹2L1.80 Cr
Nov 2042 (215)SWP-₹2L1.80 Cr
Dec 2042 (216)SWP-₹2L1.80 Cr
Jan 2043 (217)SWP-₹2.1L1.79 Cr
Feb 2043 (218)SWP-₹2.1L1.79 Cr
Mar 2043 (219)SWP-₹2.1L1.79 Cr
Apr 2043 (220)SWP-₹2.1L1.78 Cr
May 2043 (221)SWP-₹2.1L1.78 Cr
Jun 2043 (222)SWP-₹2.1L1.78 Cr
Jul 2043 (223)SWP-₹2.1L1.77 Cr
Aug 2043 (224)SWP-₹2.1L1.77 Cr
Sep 2043 (225)SWP-₹2.1L1.77 Cr
Oct 2043 (226)SWP-₹2.1L1.76 Cr
Nov 2043 (227)SWP-₹2.1L1.76 Cr
Dec 2043 (228)SWP-₹2.1L1.76 Cr
Jan 2044 (229)SWP-₹2.3L1.75 Cr
Feb 2044 (230)SWP-₹2.3L1.75 Cr
Mar 2044 (231)SWP-₹2.3L1.74 Cr
Apr 2044 (232)SWP-₹2.3L1.74 Cr
May 2044 (233)SWP-₹2.3L1.73 Cr
Jun 2044 (234)SWP-₹2.3L1.73 Cr
Jul 2044 (235)SWP-₹2.3L1.72 Cr
Aug 2044 (236)SWP-₹2.3L1.72 Cr
Sep 2044 (237)SWP-₹2.3L1.71 Cr
Oct 2044 (238)SWP-₹2.3L1.70 Cr
Nov 2044 (239)SWP-₹2.3L1.70 Cr
Dec 2044 (240)SWP-₹2.3L1.69 Cr
Jan 2045 (241)SWP-₹2.4L1.69 Cr
Feb 2045 (242)SWP-₹2.4L1.68 Cr
Mar 2045 (243)SWP-₹2.4L1.67 Cr
Apr 2045 (244)SWP-₹2.4L1.66 Cr
May 2045 (245)SWP-₹2.4L1.66 Cr
Jun 2045 (246)SWP-₹2.4L1.65 Cr
Jul 2045 (247)SWP-₹2.4L1.64 Cr
Aug 2045 (248)SWP-₹2.4L1.64 Cr
Sep 2045 (249)SWP-₹2.4L1.63 Cr
Oct 2045 (250)SWP-₹2.4L1.62 Cr
Nov 2045 (251)SWP-₹2.4L1.61 Cr
Dec 2045 (252)SWP-₹2.4L1.60 Cr
Jan 2046 (253)SWP-₹2.5L1.60 Cr
Feb 2046 (254)SWP-₹2.5L1.59 Cr
Mar 2046 (255)SWP-₹2.5L1.58 Cr
Apr 2046 (256)SWP-₹2.5L1.57 Cr
May 2046 (257)SWP-₹2.5L1.56 Cr
Jun 2046 (258)SWP-₹2.5L1.55 Cr
Jul 2046 (259)SWP-₹2.5L1.54 Cr
Aug 2046 (260)SWP-₹2.5L1.53 Cr
Sep 2046 (261)SWP-₹2.5L1.52 Cr
Oct 2046 (262)SWP-₹2.5L1.51 Cr
Nov 2046 (263)SWP-₹2.5L1.50 Cr
Dec 2046 (264)SWP-₹2.5L1.49 Cr
Jan 2047 (265)SWP-₹2.7L1.47 Cr
Feb 2047 (266)SWP-₹2.7L1.46 Cr
Mar 2047 (267)SWP-₹2.7L1.45 Cr
Apr 2047 (268)SWP-₹2.7L1.44 Cr
May 2047 (269)SWP-₹2.7L1.43 Cr
Jun 2047 (270)SWP-₹2.7L1.41 Cr
Jul 2047 (271)SWP-₹2.7L1.40 Cr
Aug 2047 (272)SWP-₹2.7L1.39 Cr
Sep 2047 (273)SWP-₹2.7L1.37 Cr
Oct 2047 (274)SWP-₹2.7L1.36 Cr
Nov 2047 (275)SWP-₹2.7L1.35 Cr
Dec 2047 (276)SWP-₹2.7L1.33 Cr
Jan 2048 (277)SWP-₹2.8L1.32 Cr
Feb 2048 (278)SWP-₹2.8L1.30 Cr
Mar 2048 (279)SWP-₹2.8L1.29 Cr
Apr 2048 (280)SWP-₹2.8L1.27 Cr
May 2048 (281)SWP-₹2.8L1.26 Cr
Jun 2048 (282)SWP-₹2.8L1.24 Cr
Jul 2048 (283)SWP-₹2.8L1.23 Cr
Aug 2048 (284)SWP-₹2.8L1.21 Cr
Sep 2048 (285)SWP-₹2.8L1.19 Cr
Oct 2048 (286)SWP-₹2.8L1.18 Cr
Nov 2048 (287)SWP-₹2.8L1.16 Cr
Dec 2048 (288)SWP-₹2.8L1.14 Cr
Jan 2049 (289)SWP-₹3L1.12 Cr
Feb 2049 (290)SWP-₹3L1.10 Cr
Mar 2049 (291)SWP-₹3L1.09 Cr
Apr 2049 (292)SWP-₹3L1.07 Cr
May 2049 (293)SWP-₹3L1.05 Cr
Jun 2049 (294)SWP-₹3L1.03 Cr
Jul 2049 (295)SWP-₹3L1.01 Cr
Aug 2049 (296)SWP-₹3L98.72 Lakh
Sep 2049 (297)SWP-₹3L96.69 Lakh
Oct 2049 (298)SWP-₹3L94.64 Lakh
Nov 2049 (299)SWP-₹3L92.57 Lakh
Dec 2049 (300)SWP-₹3L90.48 Lakh
Jan 2050 (301)SWP-₹3.2L88.18 Lakh
Feb 2050 (302)SWP-₹3.2L85.86 Lakh
Mar 2050 (303)SWP-₹3.2L83.52 Lakh
Apr 2050 (304)SWP-₹3.2L81.16 Lakh
May 2050 (305)SWP-₹3.2L78.77 Lakh
Jun 2050 (306)SWP-₹3.2L76.36 Lakh
Jul 2050 (307)SWP-₹3.2L73.92 Lakh
Aug 2050 (308)SWP-₹3.2L71.46 Lakh
Sep 2050 (309)SWP-₹3.2L68.98 Lakh
Oct 2050 (310)SWP-₹3.2L66.47 Lakh
Nov 2050 (311)SWP-₹3.2L63.94 Lakh
Dec 2050 (312)SWP-₹3.2L61.38 Lakh
Jan 2051 (313)SWP-₹3.4L58.60 Lakh
Feb 2051 (314)SWP-₹3.4L55.79 Lakh
Mar 2051 (315)SWP-₹3.4L52.96 Lakh
Apr 2051 (316)SWP-₹3.4L50.10 Lakh
May 2051 (317)SWP-₹3.4L47.21 Lakh
Jun 2051 (318)SWP-₹3.4L44.29 Lakh
Jul 2051 (319)SWP-₹3.4L41.34 Lakh
Aug 2051 (320)SWP-₹3.4L38.36 Lakh
Sep 2051 (321)SWP-₹3.4L35.35 Lakh
Oct 2051 (322)SWP-₹3.4L32.32 Lakh
Nov 2051 (323)SWP-₹3.4L29.25 Lakh
Dec 2051 (324)SWP-₹3.4L26.15 Lakh

Tip: Use the Export button to save this table as a PDF for your records or sharing.

🚀 Comprehensive Retirement Planner Guide

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