Investment Calculator: SIPs, Withdrawals and Sequence Risk

SarbatDaBhalla  · September 4, 2026

Disclaimer: A planning aid, not financial advice. Projections are estimates built on assumptions you choose, not predictions. Verify your own position with a qualified advisor — tax rules change.

Most SIP calculators stop at what a fixed monthly amount grows to. This one also models drawing the money back down, the one-off costs that land along the way, and what happens if the bad years arrive first.

Investment planner

Build wealth · Plan withdrawals · Stress-test the result

Projected corpus
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You invested ₹0 Growth ₹0
Estimate only, not advice. Returns are an assumption you chose, not a forecast.
Build your investment
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Start withdrawing Model retirement or a second income
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Keep withdrawals inflation-proof Raises the amount yearly so it buys the same as today
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Amounts are in today's money A ₹25L wedding today costs far more in 18 years — this inflates it for you
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All four orders below average out to the same return you set above — only the order the good and bad years arrive in changes. Your plan itself is unaffected: this section answers its own question and leaves the projection above alone. Pick one to bring it forward in the chart below.

Type one return per year, separated by commas. The chart below shows the run you typed and what your plan would have ended at on it. Nothing here changes your projection.

Shorter than your plan? The list repeats. These are used exactly as typed — unlike the four presets, they are not rescaled to your expected return. The numbers above are roughly the Nifty 50 through 2007–2016, crash included.
Estimate capital gains tax Each sale matched to its purchase date, oldest units first
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Adjust for inflation Show what each figure is worth in today's money
% p.a.

How the corpus grows

Hover any year to compare the corpus against what you put in.

Just the numbers — no charts. Every section above draws its own, next to the setting it belongs to.

Total contributed—
Total value realised—
Gross gain—
Short-term gain—
Long-term gain—
Less: LTCG exemptions used—
Tax + cess + surcharge—
Net in hand—

Year by year

Amber rows are withdrawal years.

YearReturnPaid inTaken outCorpusIn today's money
This is an estimate, not financial advice. Every return figure is an assumption you chose, not a forecast. The stress-test scenarios illustrate shape, not prediction — a real bad decade will not look like any of them. Exit loads, expense ratios, STT, dividend taxation and set-off of past losses are not modelled. Tax law changes with every Budget. Confirm anything that matters with a qualified chartered accountant or a SEBI-registered adviser.
Why order matters more than average. While you are still contributing, a crash is close to harmless and arguably helpful — your SIP buys more units cheaply. Once you are withdrawing, the same crash forces you to sell units at the bottom to fund your income, and those units never recover. That asymmetry is sequence-of-returns risk, and it makes the years either side of retirement the most dangerous in an investing life.
How the tax figure is built. Every contribution is tracked as a separate purchase with its own date. Withdrawals sell the oldest units first, so each sale gets its real holding period and the correct short- or long-term rate. Gains are grouped by tax year, so the annual long-term exemption resets each year — the reason a gradual withdrawal usually beats one large redemption.
Calculated in your browser. Nothing is uploaded, logged or stored.

What this adds over a generic SIP calculator

  • Withdrawals — how long the corpus lasts once you start living off it.
  • Sequence risk — two portfolios can earn the same average and still end decades apart, depending on the order the good and bad years arrive in.
  • NRI tax — capital gains and what is withheld at source, kept separate, because the withholding is not the liability.

Loan calculator for the other side of prepay-or-invest · FD calculator for fixed returns · Changing your mutual fund tax status to NRI · NRO and NRE accounts