SIP to SWP Retirement Bridge
SIP calculators stop at a corpus. SWP calculators start from one. This tool connects them: does today's SIP actually fund tomorrow's lifestyle?
Verdict
Shortfall: lasts 27 yr 2 mo
- Corpus at retirement
- $1.1M
- Total invested
- $549.1K
- First retirement withdrawal
- $4,335/mo
- Corpus lasts
- 27 yr 2 mo
Plan for at least 30 years after retiring. Fix it with a higher SIP, a bigger step-up, more years, or lower expenses.
Corpus: accumulation, then withdrawal
Year-by-year table
| Year | Phase | Corpus |
|---|---|---|
| 1 | Accumulating | $12,514 |
| 2 | Accumulating | $27,030 |
| 3 | Accumulating | $43,789 |
| 4 | Accumulating | $63,056 |
| 5 | Accumulating | $85,125 |
| 6 | Accumulating | $110,322 |
| 7 | Accumulating | $139,006 |
| 8 | Accumulating | $171,573 |
| 9 | Accumulating | $208,461 |
| 10 | Accumulating | $250,153 |
| 11 | Accumulating | $297,182 |
| 12 | Accumulating | $350,134 |
| 13 | Accumulating | $409,657 |
| 14 | Accumulating | $476,463 |
| 15 | Accumulating | $551,336 |
| 16 | Accumulating | $635,139 |
| 17 | Accumulating | $728,822 |
| 18 | Accumulating | $833,429 |
| 19 | Accumulating | $950,109 |
| 20 | Accumulating | $1,080,124 |
| 21 | Withdrawing | $1,080,933 |
| 22 | Withdrawing | $1,080,186 |
| 23 | Withdrawing | $1,077,758 |
| 24 | Withdrawing | $1,073,515 |
| 25 | Withdrawing | $1,067,317 |
| 26 | Withdrawing | $1,059,012 |
| 27 | Withdrawing | $1,048,442 |
| 28 | Withdrawing | $1,035,438 |
| 29 | Withdrawing | $1,019,821 |
| 30 | Withdrawing | $1,001,401 |
| 31 | Withdrawing | $979,978 |
| 32 | Withdrawing | $955,339 |
| 33 | Withdrawing | $927,259 |
| 34 | Withdrawing | $895,500 |
| 35 | Withdrawing | $859,808 |
| 36 | Withdrawing | $819,919 |
| 37 | Withdrawing | $775,548 |
| 38 | Withdrawing | $726,398 |
| 39 | Withdrawing | $672,153 |
| 40 | Withdrawing | $612,479 |
| 41 | Withdrawing | $547,022 |
| 42 | Withdrawing | $475,410 |
| 43 | Withdrawing | $397,248 |
| 44 | Withdrawing | $312,121 |
| 45 | Withdrawing | $219,587 |
| 46 | Withdrawing | $119,183 |
| 47 | Withdrawing | $10,416 |
Both halves of your money's life
This tool runs your money through both halves of its life. First the accumulation phase: your monthly SIP, stepped up yearly, compounds until retirement. Then the withdrawal phase: your current monthly expense is inflated to retirement-day rupees and withdrawn from the corpus, rising with inflation every year, until the money runs out or proves it never will.
The single number to watch is how many years the corpus survives after retirement. If it is under 30, the fix is one of four levers: higher SIP, higher step-up, more years of accumulation, or lower planned expenses. Assumptions: effective annual returns compounded monthly, expenses and withdrawals step up annually, taxes not modelled.
FAQ
Why connect SIP and SWP in one calculation?
SIP calculators end with a corpus and SWP calculators start with one, but the question that matters is whether YOUR SIP funds YOUR retirement. Connecting them exposes the real gap: a corpus that looks huge today may fund surprisingly few years once expenses are inflated to retirement-day rupees.
Why is my first retirement withdrawal so much larger than my expenses today?
Inflation. At 6%, expenses double roughly every 12 years, so 60,000 rupees a month today becomes about 1.9 lakh a month in 20 years. Retirement plans fail most often because they are built on today's expense numbers.
Why use a lower return after retirement?
Most retirees shift from equity-heavy to safer allocations, because a market crash early in retirement can permanently damage a corpus being withdrawn from. Using 7 to 9% post-retirement versus 11 to 13% while accumulating reflects that shift.
How many years should my corpus last after retirement?
Retiring at 60 with life expectancy improving, planning for 30 years is prudent. Retiring earlier needs proportionally more. The verdict here flags anything below 30 years as a shortfall.
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