SIP Calculator: SWP, Step-Up

Estimate mutual fund returns, plan goals & retirement. Offline, PDF reports.

SIP Calculator & Planner estimates mutual fund SIP returns, plans withdrawals and shows how your money grows. Enter your monthly amount, expected return rate and period to get a clear maturity value with charts you can read - then save it or export a report.

Works fully offline. No account, no sign-up, no internet needed to calculate.

11 INVESTMENT CALCULATORS
- SIP Calculator - monthly investment returns and maturity value
- Step-Up SIP - increase your SIP by a fixed percent every year
- Lumpsum Calculator - growth of a one-time investment
- SWP Calculator - what is left as you withdraw every month
- Goal Planner - the monthly SIP or lumpsum needed to reach a target
- Retirement Calculator - corpus needed and monthly investment to build it
- MF Return Calculator - absolute return and CAGR from your actual values
- CAGR Calculator - annualised growth between two values
- Inflation Calculator - what an amount will cost in future years
- Compound Interest - annual, half-yearly, quarterly, monthly or daily
- Investment Comparison - put two SIP plans side by side

INFLATION-ADJUSTED RESULTS
Most calculators include an inflation toggle, so you see the real purchasing power of your corpus, not only the nominal figure.

CHARTS THAT EXPLAIN THE NUMBERS
See the split between invested amount and returns, year-wise growth, corpus trend and month-wise progression. Goal Planner adds a progress ring for your target.

20 FINANCIAL RULES, EXPLAINED AND INTERACTIVE
Try the shortcuts investors use, with your own numbers: Rule of 72, 70, 69, 114 and 115 for doubling and tripling time, the 4% rule, 25x retirement rule, FI number, emergency fund, 50/30/20 budget, 10% savings rule, Rule of 100, real return and purchasing power. Each has a plain-language explanation, an example and the formula.

EXPORT AND SHARE
Generate reports as PDF, Excel (.xlsx), CSV or PNG, or print directly. Choose whether to include charts and the year-wise breakdown, set your own report title and footer, then share or open the file.

SAVE YOUR WORK
Save any calculation with a name, mark favorites, search and filter your history, and reopen a saved run to recalculate or export it again.

MADE TO FIT YOU
Light, dark or system theme, high contrast, text size, decimal precision 0-4, and currency in Rs, $, EUR, GBP or JPY.

HOW IT WORKS
1. Pick a calculator from the home screen
2. Enter your amount, expected return rate and time period
3. Tap Calculate for maturity value, invested amount and returns
4. Explore the charts and the year-wise table
5. Save it or export a report

WHO IT IS FOR
- Salaried investors planning a monthly SIP
- First-time investors learning how compounding works
- Anyone building a goal or retirement plan
- Retirees planning a systematic withdrawal
- Advisors who want a quick, shareable calculation

FAQ

How is SIP maturity value calculated?
Each monthly investment compounds at the expected rate for the remaining months, giving total invested, estimated returns and final corpus.

What is a step-up SIP?
A SIP you increase by a set percentage each year, usually along with your salary. The calculator shows the extra corpus that builds.

What does the SWP calculator show?
It grows your corpus at the expected return while subtracting a fixed monthly withdrawal, so you see the balance over time.

Can I export a report?
Yes - PDF, Excel, CSV, PNG and print, with optional charts and breakdown.

DISCLAIMER
For educational and financial planning use only. Results are estimates based on your inputs and assumed rates, and do not guarantee actual returns. This app does not provide financial, investment, tax or legal advice. Consult a qualified financial advisor before investing.