SWP Calculator

We add up the growth of every monthly instalment. Each instalment grows at the monthly rate (the annual return divided by 12) from the month it is invested until the end of the period.

Use a cautious figure. Equity funds can swing widely from year to year, so many people try a few rates, such as 8%, 10% and 12%, to see a range instead of one number.

Your income usually grows over time, so raising your SIP each year lets you invest more without a big jump at once. Even a modest 5% to 10% yearly step-up can add meaningfully to the final value over a long period.

Yearly. The instalment stays the same for 12 months, then rises by the step-up percentage for the next 12 months.

It depends on when your money is available and how comfortable you are with market ups and downs. A lumpsum puts all your money to work at once, while a SIP spreads your purchases over time, which can smooth your entry price. Many investors use both.

Yes. The calculator applies the annual return once a year to the full balance, including earlier growth.

It depends on the withdrawal, the return and the time period. If you withdraw more than the investment earns, the balance falls. The calculator shows what is left after your chosen period, or the month the corpus runs out.

No. The balance depends on market returns. A higher withdrawal or a lower return can exhaust the corpus sooner than planned.

Many banks compound FD interest quarterly, but it varies by bank and scheme. More frequent compounding gives a slightly higher maturity amount.

Interest on fixed deposits is generally taxable as per your income tax slab, and banks may deduct TDS above certain limits. Check the current rules or ask a tax professional.

CAGR shows the average yearly growth rate that would turn your starting amount into the ending amount, assuming the growth compounded evenly. Real year-to-year returns are usually uneven.

CAGR suits a single investment made once. For SIPs, where money goes in at different times, XIRR is the more suitable measure.

Yes. A longer tenure lowers the EMI but increases the total interest you pay. A shorter tenure does the opposite.

No. Processing fees, insurance and other charges are not included, and floating interest rates can change over the loan period. Ask your lender for the full cost.

Education costs have often risen faster than general prices. We start with 8% a year, but you can change it to suit the course and country you have in mind.

A short time horizon or a large future cost raises the monthly amount. Starting earlier, adding existing savings or lowering the cost target brings it down.

The earlier the better. A longer period lets smaller monthly investments grow and avoids a large lump sum later.

Be cautious. If the wedding is only a few years away, a lower return suits safer investments, because equity can fall in the short term.

It depends on your cash flow and the loan interest rate. Many buyers pay a down payment from savings and finance the rest. You can use this calculator for the down payment amount.

Car prices have tended to rise slowly, so a rate of around 4% to 6% a year is a common assumption. You can change it.

For goals within a few years, people often prefer lower-risk options such as deposits or debt-oriented funds, because equity can fall in the short term. Use a cautious return here.

Yes. Enter the total you expect to spend, including a cushion for exchange-rate moves and unplanned costs.

It depends on your expenses, inflation and how long retirement may last. This calculator estimates the corpus that could fund your inflation-adjusted expenses until the age you enter.

Before retirement you can take more risk to grow the corpus, so the return can be higher. After retirement most people move to safer assets, so a lower return is more prudent.

Long-term consumer inflation in India has typically fallen between about 4% and 7%, though it changes from year to year. Many planners use around 6% for long-term estimates.

No. Education, healthcare and housing costs have often risen faster than the average, while some goods rise more slowly. You can run the calculator with different rates.

We value your family's inflation-adjusted living costs for the support years, add loans, future goals and a six-month emergency fund, then subtract existing savings and life cover. The gap is the additional cover to consider.

No. It is an approximate estimate. Premiums depend on your age, health, cover amount and the insurer. Speak to an advisor before you decide.

We take your annual income, remove your personal expenses, grow the rest each year at your expected income growth until retirement, and bring it back to today's value at the discount rate you enter.

The needs-based method reflects your actual loans, goals and savings, so it is usually the main guide. HLV is a useful cross-check. Our Life Insurance Need Calculator shows both.