Combined Investment Planner
Plan your complete journey in one place. Start with a Lumpsum, build wealth through SIP, and withdraw flexibly with SWP, even while SIP is ongoing.
Investment Plan (Inflows)
Capital Contributions
Min: ₹0•Max: ₹10,00,00,000
Min: 0 Years (Immediately)•Max: 20 Years
Min: ₹0•Max: ₹10,00,000
Min: 1%•Max: 30%
Min: 1 Year•Max: 40 Years
Withdrawal Plan (Outflows)
SWP Cashflow Details
Model both an exact withdrawal amount and duration to see final remaining wealth.
Min: 1 Year•Max: 40 Years
Min: 1 Year•Max: 50 Years
Min: 1%•Max: 25%
Payout distribution schedule
Min: ₹1,000•Max: ₹1,00,00,000
Starting with an initial lumpsum of ₹1,00,000, contributing ₹5,000/month via SIP for 10 years, and initiating SWP withdrawals of ₹8,000 per month starting at Year 5 (running concurrently with your SIP for 5 years). Your portfolio reaches a peak corpus of ₹7,88,034 (Year 10), delivers a total of ₹14,40,000 in payouts, and leaves a final surplus wealth balance of ₹2,60,312.
Complete Lifecycle Plan Projection
Accumulation (SIP + Lumpsum) to Distribution (SWP)
Accumulation Phase
Your SIP Investment Journey
Total Invested
Lump + 10Y SIP (Y1 to Y10)
Peak Portfolio Corpus
Highest balance in Year 10
Wealth Gain
Estimated profit from compounding growth
Withdrawal Phase
Your SWP Retirement Plan
Monthly Withdrawal
Per Month Withdrawal
Total Withdrawals
Total amount withdrawn over time
Ending Corpus
Remaining corpus after withdrawal
Portfolio Lifecycle Trajectory
Visualizing accumulation growth, concurrent cashflow dynamics, and withdrawal depletion or growth over time
- Portfolio Balance
- Total Capital Invested
- Total SWP Withdrawn
Year-by-Year Unified Cashflow Schedule
Detailed chronological ledger tracking every deposit, compounding growth, and distribution
| Year | Phase Status | Starting Corpus | SIP Invested | Returns Earned | SWP Withdrawn | Ending Corpus |
|---|---|---|---|---|---|---|
| 1 | SIP | ₹1,00,000 | +₹60,000 | +₹15,832 | — | ₹1,75,832 |
| 2 | SIP | ₹1,75,832 | +₹60,000 | +₹24,932 | — | ₹2,60,765 |
| 3 | SIP | ₹2,60,765 | +₹60,000 | +₹35,124 | — | ₹3,55,889 |
| 4 | SIP | ₹3,55,889 | +₹60,000 | +₹46,539 | — | ₹4,62,428 |
| 5 | SIP | ₹4,62,428 | +₹60,000 | +₹59,324 | — | ₹5,81,752 |
| 6 | SIP + SWP | ₹5,81,752 | +₹60,000 | +₹68,471 | -₹96,000 | ₹6,14,223 |
| 7 | SIP + SWP | ₹6,14,223 | +₹60,000 | +₹72,367 | -₹96,000 | ₹6,50,590 |
| 8 | SIP + SWP | ₹6,50,590 | +₹60,000 | +₹76,731 | -₹96,000 | ₹6,91,322 |
| 9 | SIP + SWP | ₹6,91,322 | +₹60,000 | +₹81,619 | -₹96,000 | ₹7,36,941 |
| 10 | SIP + SWP | ₹7,36,941 | +₹60,000 | +₹87,093 | -₹96,000 | ₹7,88,034 |
About Combined Investment Planner (SIP + SWP) & Frequently Asked Questions
What is the Combined Investment Planner?
The Combined Investment Planner is an advanced financial tool designed to model your complete financial lifecycle across both Phase 1 (Wealth Accumulation via one-time capital and monthly installments) and Phase 2 (Wealth Distribution via systematic monthly payouts). By interconnecting both horizons, you gain crystal clarity on whether your current monthly investments are sufficient to sustain your lifestyle after work ends. If you want to focus exclusively on the withdrawal side, check our standalone SWP Calculator.
Why Traditional Calculators Fail (And How This 2-in-1 Planner Solves It)
Virtually every financial portal on the web isolates calculations into separate tools, where a SIP calculator shows wealth creation and an SWP calculator assumes you already have a lump sum waiting. In real life, retirement planning requires both stages, starting with wealth accumulation through lumpsum and monthly SIPs and then transitioning into predictable monthly cashflows. Our Combined Investment Planner unites both stages in a single seamless model, giving you the rare capability to simulate wealth accumulation and post-retirement SWP distributions together on one dynamic timeline.
Where and Why is it Helping?
- End to End Retirement Mapping: Seamlessly bridges your active earning years with your retirement years without needing separate disconnected spreadsheets.
- Custom - Total Control: Test custom monthly withdrawal targets and tenure to check if any residual wealth remains for your heirs.
- Amount - Corpus Lifespan: Enter your required monthly living cost and discover the exact date and year when your capital is projected to exhaust.
- Duration - Withdrawal Limit: Specify your retirement duration (e.g. 25 or 30 years) to find the maximum safe monthly payout you can draw without depleting capital.
- Compare Against Pure Retirement Planning: To factor in healthcare inflation, life expectancy, and existing pensions, compare results with our Retirement Corpus Calculator.
How to Use the Calculator
- Configure Accumulation: Input your initial lumpsum investment, monthly SIP contribution, investment tenure, and expected annual return.
- Select SWP Strategy: Choose between Custom (Total Control), Amount (Corpus Lifespan), or Duration (Withdrawal Limit) depending on your goal.
- Set Retirement Returns: Enter the expected return on your accumulated money during retirement (typically lower and safer than the accumulation phase).
- Define Frequency & Inflation: Choose monthly, quarterly, or yearly withdrawal frequency, and optionally enable inflation to adjust payouts.
- Analyze Results: View your final accumulated corpus, total amount withdrawn, remaining corpus, and a detailed year-by-year cashflow table.
The Formula & Example
- Accumulation Formulas: Lumpsum FV = P * (1 + r)^t; Monthly SIP FV = SIP * [((1 + i)^n - 1) / i] * (1 + i), where i is the periodic interest rate and n is the total number of months.
- Withdrawal Simulation: Corpus is compounded periodically and reduced by the withdrawal: Corpus(new) = (Corpus(old) * (1 + r_retirement)) - Withdrawal.
- For example, if you start with no lumpsum and invest ₹15,000 monthly for 20 years at a 12% return using our SIP Calculator, you accumulate a corpus of approximately ₹1.5 Crore. If you retire and choose the 'Duration - Withdrawal Limit' strategy for a 25-year retirement at an 8% return with monthly frequency, the calculator determines that you can safely withdraw about ₹95,000 per month.
- If you also have immediate windfall funds to deploy today, model them alongside monthly contributions in our SIP + Lumpsum Calculator.
About Combined Investment Planner (SIP + SWP) & Frequently Asked Questions
What is the Combined Investment Planner?
The Combined Investment Planner is an advanced financial tool designed to model your complete financial lifecycle across both Phase 1 (Wealth Accumulation via one-time capital and monthly installments) and Phase 2 (Wealth Distribution via systematic monthly payouts). By interconnecting both horizons, you gain crystal clarity on whether your current monthly investments are sufficient to sustain your lifestyle after work ends. If you want to focus exclusively on the withdrawal side, check our standalone SWP Calculator.
Why Traditional Calculators Fail (And How This 2-in-1 Planner Solves It)
Virtually every financial portal on the web isolates calculations into separate tools, where a SIP calculator shows wealth creation and an SWP calculator assumes you already have a lump sum waiting. In real life, retirement planning requires both stages, starting with wealth accumulation through lumpsum and monthly SIPs and then transitioning into predictable monthly cashflows. Our Combined Investment Planner unites both stages in a single seamless model, giving you the rare capability to simulate wealth accumulation and post-retirement SWP distributions together on one dynamic timeline.
Where and Why is it Helping?
- End to End Retirement Mapping: Seamlessly bridges your active earning years with your retirement years without needing separate disconnected spreadsheets.
- Custom - Total Control: Test custom monthly withdrawal targets and tenure to check if any residual wealth remains for your heirs.
- Amount - Corpus Lifespan: Enter your required monthly living cost and discover the exact date and year when your capital is projected to exhaust.
- Duration - Withdrawal Limit: Specify your retirement duration (e.g. 25 or 30 years) to find the maximum safe monthly payout you can draw without depleting capital.
- Compare Against Pure Retirement Planning: To factor in healthcare inflation, life expectancy, and existing pensions, compare results with our Retirement Corpus Calculator.
How to Use the Calculator
- Configure Accumulation: Input your initial lumpsum investment, monthly SIP contribution, investment tenure, and expected annual return.
- Select SWP Strategy: Choose between Custom (Total Control), Amount (Corpus Lifespan), or Duration (Withdrawal Limit) depending on your goal.
- Set Retirement Returns: Enter the expected return on your accumulated money during retirement (typically lower and safer than the accumulation phase).
- Define Frequency & Inflation: Choose monthly, quarterly, or yearly withdrawal frequency, and optionally enable inflation to adjust payouts.
- Analyze Results: View your final accumulated corpus, total amount withdrawn, remaining corpus, and a detailed year-by-year cashflow table.
The Formula & Example
- Accumulation Formulas: Lumpsum FV = P * (1 + r)^t; Monthly SIP FV = SIP * [((1 + i)^n - 1) / i] * (1 + i), where i is the periodic interest rate and n is the total number of months.
- Withdrawal Simulation: Corpus is compounded periodically and reduced by the withdrawal: Corpus(new) = (Corpus(old) * (1 + r_retirement)) - Withdrawal.
- For example, if you start with no lumpsum and invest ₹15,000 monthly for 20 years at a 12% return using our SIP Calculator, you accumulate a corpus of approximately ₹1.5 Crore. If you retire and choose the 'Duration - Withdrawal Limit' strategy for a 25-year retirement at an 8% return with monthly frequency, the calculator determines that you can safely withdraw about ₹95,000 per month.
- If you also have immediate windfall funds to deploy today, model them alongside monthly contributions in our SIP + Lumpsum Calculator.