Unified Calculator
Three connected phases in one model

Plan aggressive accumulation, stable FI income, and low-stress true retirement.

Enter your details once. The calculator first builds your corpus through SIP and lumpsum growth, then converts that corpus into an inflation-linked SWP income stream from your financial-independence age, then moves the remaining balance into an FD/debt phase for true retirement.

Phase 1SIP + Lumpsum accumulation
Phase 2SWP income from FI age
Phase 3FD / low-risk drawdown
Percent inputs show their rupee effect, so “10% step-up” becomes “₹500 increase on ₹5,000 SIP,” not just a slider value.
Phase 1 · Build

SIP + Lumpsum

Monthly SIP, annual step-up, existing corpus, and growth until FI age.

Phase 2 · Live

FI SWP

Inflation-adjusted monthly income while the corpus remains invested.

Phase 3 · Protect

FD True Retirement

Remaining corpus shifts to a lower-risk FD/debt return phase until plan age.

1

Life plan inputs

These replace the separate retirement calculator questions.

Your age today.
SIP stops and SWP starts here.
SWP shifts to FD/debt here.
Life expectancy / stress-test age.
₹
Current monthly spending.
Groww-style lifestyle question converted into a multiplier.
Changes default return assumptions. You can still edit rates.
Annual increase in living cost.
2

SIP + Lumpsum accumulation

Build corpus from current age to FI age.

₹
Starting monthly investment.
Increase SIP every year.
Annual CAGR during aggressive phase.
₹
Already invested amount.
Return on existing corpus.
Optional annual return haircut.
3

SWP financial independence phase

Stable income from FI age until true retirement.

Debt/balanced return after FI.
Usually same as inflation.
mo
Added to required FI corpus.
Optional return haircut in SWP phase.
4

FD / true-retirement phase

Final low-risk income after actual retirement.

Annual FD/debt return.
Used for FD drawdown projection.
Optional tax haircut on FD return.
Drawdown uses principal if interest is not enough.

Unified result

These outputs are connected: SIP changes the SWP corpus, expenses and FI age change required SWP corpus, and the final SWP balance becomes FD principal.

Projected corpus at FI
—
SIP + existing corpus at FI age.
Required corpus at FI
—
SWP need + target FD principal + buffer.
Surplus / shortfall
—
Projected minus required.
FI monthly withdrawal
—
Today’s expenses inflated to FI age.
FD principal at true retirement
—
Actual SWP ending corpus.
Monthly SIP needed
—
Required starting SIP with same step-up.
SIP step-up in rupees—

—

SIP return conversion—

—

Inflation impact—

—

SWP increase in rupees—

—

FD interest check—

—

Required FD principal—

—

—
Corpus path across all phases
Closing corpus by age. Watch the handoff from SIP to SWP to FD.
Projected vs required
Shows whether your SIP plan reaches the FI corpus required by later phases.
Annual cashflow by phase
Positive values are investments. Negative values are withdrawals/expenses.
SIP monthly return
monthlyRate = (1 + annualReturn)^(1/12) − 1

Used before applying the SIP maturity model and year-by-year step-up.

Lumpsum / FD compounding
A = P × (1 + r/n)^(n×t)

Used for existing corpus growth and FD/debt compounding assumptions.

SWP drawdown
endingCorpus = openingCorpus × (1 + monthlyRate) − withdrawal

Repeated monthly, with withdrawal increased annually.

Required FI corpus
reverseSimulate(targetFDCorpus, SWP withdrawals, SWP return)

Works backward from the FD principal needed at true retirement.

Full projection table
Year-by-year plan
YearAgePhaseOpening corpusReturnsInvested / withdrawnClosing corpusMonthly amountNote