SIP + SWP Calculator with Inflation

🔥 Inflation Rate (Applied to Both Phases)

Expected Inflation

0%15%

India avg 5-7% — yeh rate dono phases mein apply hoga to show today's purchasing power

SIP Step-Up Inputs

Monthly SIP

₹10,000

₹500₹2,00,000

Annual Step-Up

10%

0%50%

Har saal yeh % se SIP badhegi

Expected Return (p.a.)

12%

1%30%

Investment Period

15 yrs

1 yr40 yrs

Total Invested

—

Est. Returns

—

Corpus (Nominal)

—

Today's Value

—

💰

Nominal Corpus

—

Future dikhega itna

🎯

Today's Value

—

Aaj ki purchasing power

📉

Inflation Erosion

—

Inflation kha jayegi

SIP Year-wise Breakdown

Nominal + inflation-adjusted value har saal

Year	Monthly SIP	Invested/Yr	Total Invested	Corpus	Today's Value	Gains

🚀 SIP Corpus→₹0→💰 SWP Start

🚀 SIP Corpus→₹0→💰 SWP Starting Amount

SWP Withdrawal Inputs

Monthly Withdrawal

₹30,000

₹1,000₹5,00,000

Har mahine kitna withdraw karna hai

Withdrawal Step-Up

0%30%

Inflation ke liye withdrawal bhi badhao

Return During SWP (p.a.)

1%20%

Withdrawal Period

20 yrs

1 yr40 yrs

Starting Corpus

—

Total Withdrawn

—

Remaining

—

Remaining (Today's ₹)

—

💰

Remaining (Nominal)

—

Future value

🎯

Remaining (Today's ₹)

—

Real purchasing power

📉

Inflation Erosion

—

Value lost to inflation

SWP Year-wise Breakdown

Withdrawal + remaining corpus (nominal & real)

Year	Monthly WD	WD/Yr	Total WD	Remaining	Today's Value

SIP Invested

—

Peak Corpus

—

Total Withdrawn

—

Final (Today's ₹)

—

Full Journey — Year by Year

SIP se SWP tak — nominal + inflation-adjusted values

Year	Phase	Monthly In/Out	Corpus (Nominal)	Corpus (Today's ₹)

💡 Inflation + SIP + SWP — kyu zaroori hai?

SIP Phase: Aapka corpus badhta hai, lekin inflation uski purchasing power ghata deta hai. ₹1 Cr nominal = aaj ke ~₹42L (6% inflation, 15 yrs).

SWP Phase: Withdrawal step-up zaroori hai kyunki ₹30,000 aaj ka = ₹96,000 ka 20 saal baad (6% inflation). Agar withdrawal nahi badhaya toh lifestyle downgrade hogi.

Full Journey: Inflation-adjusted chart dikhata hai ki aapka paisa aaj ke value mein kabse girna shuru hota hai — yahi real planning ka moment hai.

Pro tip: SIP step-up > inflation rakhne ki koshish karo. SWP mein withdrawal step-up = inflation rakhna ideal hai.