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Personal Investment Planning: SIP & SWP Calculator
Future Goal Investment & SWP Calculator
Future Goal Investment Calculator
Fixed CAGR:15%
Fixed CAGR:7.1%
Projected Investment Growth
Initial Monthly Investment:
Total Amount Invested:
Total Accumulated Value:
ELSS Fund (Retirement):
Funds for Other Necessities:
PPF (Dependants):
RDs (Emergencies):
Year-wise Monthly Investment Breakdown
Year
ELSS (Monthly)
Other Necessities (Monthly)
PPF (Monthly)
RDs (Monthly)
Total Monthly Investment
Important Disclaimer:
Market investments are subject to risks, including the potential loss of principal. The Compound Annual Growth Rates (CAGRs) used (ELSS: 15%, Flexicap/Multicap: 15%, Index Fund: 12%, PPF: 7.1%, RDs: 6.0%) are historically achievable minimums as per data and could vary significantly in the future. This calculation is an estimate and not a guarantee of returns.
This webpage contains information for educational and self-calculation purposes only. It does not provide any investment advice or recommendations. Before making any investment decisions in stocks, mutual funds, or any other financial instruments, it is strongly advised to consult with a SEBI-registered financial advisor who can assess your individual financial situation, risk tolerance, and investment goals.
Retirement Withdrawal Plan (SWP)
SWP Projection
Corpus Duration:
Remaining Corpus After Plan:
Year-wise SWP Breakdown
Year
Start Corpus
Total Withdrawal
Growth Accrued
End Corpus
Note: This SWP calculation assumes the ELSS fund continues to grow at its fixed 15% CAGR during the withdrawal phase. Market returns can vary. Always consult a financial advisor for personalized advice.
Structure of Calculations : This calculator simulates your financial journey by first determining your monthly investment based on a chosen percentage of your current salary. This monthly investment then increases annually according to your specified salary increment, reflecting a realistic growth in your savings capacity. Your total monthly investment is then allocated across four distinct funds: ELSS (20%), Funds for Other Necessities (20%), PPF (30%), and RDs (30%). A key feature is the PPF annual limit of Rs. 1,50,000 (Rs. 12,500 monthly); if your calculated PPF contribution exceeds this, the surplus is automatically re-routed to your ELSS fund, ensuring compliance while maximizing your equity exposure for retirement. All funds grow based on their respective Compound Annual Growth Rates (CAGRs), with the calculation performed year-by-year to accurately reflect compounding. For the Systematic Withdrawal Plan (SWP), the calculator takes your ELSS fund's final value as the starting corpus. It then simulates monthly withdrawals over your chosen period, while the remaining corpus continues to grow at the ELSS fund's CAGR. This allows you to see how long your retirement corpus might last and its balance over time, providing a transparent view of both your investment accumulation and potential withdrawal sustainability.