SIP Accumulation · SWP Withdrawal · Full Wealth Lifecycle
📅 Phase 1 ACCUMULATION
Monthly SIP ₹
10K
₹/mo
Return Rate % p.a.
12%
%
Investment Years
25Y
Yrs
💸 Phase 2 WITHDRAWAL
Monthly Withdrawal ₹
50K
₹/mo
Return Rate (post-retire) % p.a.
8%
%
Withdrawal Years
25Y
Yrs
ⓘ Results are illustrative estimates only. Not financial advice.
📅 Phase 1 — Accumulation Summary
💸 Phase 2 — Withdrawal Summary
📊 Full Wealth Lifecycle
Corpus Growth → Retirement Drawdown
💡 Combo Planning Tips
Equity for SIP, Hybrid for SWP — Use equity mutual funds during accumulation (12%+). Switch to hybrid funds at retirement (7-9%) to reduce volatility during withdrawals.
4% Withdrawal Rule — Withdraw no more than 4% of corpus annually. ₹1 Cr corpus → ₹33K/month is generally sustainable for 25+ years.
Step-up your SIP — Increasing SIP by 10% annually can almost double your retirement corpus compared to a flat SIP over 25 years.
Post-retirement return matters more — The SWP phase return is crucial. Even a 1% drop in return rate can deplete corpus 3-5 years earlier.
Build a buffer — Target corpus 20-25% higher than your minimum need. Markets are volatile and inflation erodes purchasing power over time.
Frequently Asked Questions
What is SIP + SWP Combo planning?
Combo planning models your complete wealth lifecycle — accumulate
corpus via SIP during working years, then draw retirement income
via SWP. TekproAI shows both phases in a unified timeline chart
with a sustainability verdict.
How much corpus do I need to retire in India?
A common rule is 25x your annual expenses. If you need ₹1 lakh
per month in retirement, you need approximately ₹3 crore corpus.
TekproAI Combo Planner calculates this based on your exact SIP
inputs, timeline, and withdrawal needs.
What is the 4% rule for retirement?
The 4% rule states that withdrawing 4% of your retirement corpus
annually gives a high probability of the corpus lasting 30 years.
TekproAI applies this to your scenario and shows a clear
sustainability verdict — safe, borderline, or at risk.
Can I plan early retirement or FIRE using this?
Yes. TekproAI Combo Planner is ideal for FIRE (Financial
Independence Retire Early) planning. Enter your target retirement
age, monthly expenses, and expected returns to see if your
accumulation plan is sufficient for your retirement phase.
Is this calculator free?
Yes — completely free. No login required, no data stored, no ads.
All calculations happen entirely in your browser. Free forever.
⚠️
For educational use only. Results are estimates based on
standard formulas. TekproAI is not a SEBI-registered investment advisor or
RBI-regulated entity. Do not make financial decisions solely based on these
results.