How is SIP maturity calculated?

SIP maturity is calculated using the future value of an annuity formula: FV = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly SIP amount, i is the monthly interest rate (annual rate / 12 / 100), and n is the total number of months (years × 12).

What is a good monthly SIP amount?

A good starting SIP amount is 20% of your post-tax monthly income. Use SIPfy's SIP Goal Planner to find the exact monthly SIP needed to reach any target corpus by your goal year.

SIP Calculator — Calculate Monthly SIP Returns & Corpus

What is a Systematic Withdrawal Plan?

The mirror of SIP

An SWP is the mirror image of a SIP. Just as a SIP invests a fixed amount at regular intervals, an SWP withdraws a fixed amount at regular intervals. Together, SIP and SWP form a complete lifecycle strategy.

The 4% rule

The most widely cited guideline for SWP withdrawal rates is the "4% rule" — withdraw 4% of your starting corpus in the first year, then adjust for inflation. For a ₹2 crore corpus, a 4% withdrawal rate = ₹8 lakh per year.

How to use

Set your initial corpus, monthly withdrawal, and expected return. Read the "Corpus Lasts For" result. If it's less than your expected retirement duration, reduce the monthly withdrawal.

The best SIP calculator is the one you actually use. Run the numbers, understand the math, and start investing today.

SIP SWP Calculator — plan your retirement withdrawals

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