Plan Your Investments
Institutional-grade calculators for Indian mutual fund investors. All projections are educational — return assumptions capped at 13% per AMFI guidelines.
SIP Planner
Calculate how your monthly SIP grows over time with compound returns. See projected maturity value, wealth multiplier, and year-by-year breakdown.
SWP Planner
Plan systematic withdrawals from your mutual fund corpus. Find out how long your investment lasts and what remains after regular withdrawals.
STP Planner
Simulate systematic transfers from a debt/liquid fund to an equity fund. Optimise your lump sum deployment with rupee cost averaging.
Important Notice
These calculators use hypothetical return assumptions for illustration purposes only. They do NOT constitute investment advice, financial planning, or a recommendation to invest. Vijay Malik Financial Services is an AMFI-registered Mutual Fund Distributor (ARN-317605) and is NOT a SEBI-registered Investment Adviser.
SIP vs SWP vs STP — when to use each
Three different calculators. Three very different decisions. Picking the right one depends entirely on which stage of the investor lifecycle you are in.
SIP — Systematic Investment Plan (accumulation)
A SIP automates a fixed monthly (or weekly/quarterly) contribution into a chosen mutual fund scheme. The primary benefit is rupee cost averaging: when the market is down, your fixed amount buys more units; when the market is up, it buys fewer. Over a full cycle your average cost per unit is lower than the arithmetic average of the NAVs. For anyone in accumulation mode — age 25 to 55, earning salary, building a corpus — the SIP is the default vehicle. Use our SIP calculator to project the corpus, the total invested amount, and the implied CAGR across ten different monthly contribution levels.
SWP — Systematic Withdrawal Plan (retirement income)
A SWP is the mirror image of a SIP. Instead of investing a fixed amount each month, you withdraw a fixed amount from your accumulated corpus. Retirees use SWPs to create a monthly income stream while keeping the remaining corpus invested in growth assets. The math matters: withdraw too much too early and you deplete the corpus before you die; withdraw too little and you die with unused capital. A rule-of-thumb safe withdrawal rate is 4% annualised (0.33% per month) of your starting corpus for a 30-year horizon, but real calculations need to factor in the specific fund's expected return, volatility, and your life expectancy. The SWP calculator models this for you.
STP — Systematic Transfer Plan (lump-sum deployment or goal transition)
An STP moves a fixed amount each month from one mutual fund scheme (typically a debt or liquid fund) into another (typically an equity fund). Two common use cases:
- Deploying a lump sum. You have ₹20 lakh sitting in a savings account and want to invest in equity. Going all-in on day one exposes you to market-timing risk. An STP over 12–18 months spreads the entry across multiple NAV points.
- Goal transition (pre-retirement de-risk). You are 2–5 years from needing the money and your goal is 95% equity. An STP from equity into a conservative-hybrid or debt-hybrid sleeve gradually de-risks the corpus without a single large taxable redemption. This is what our Pro tier's goal-transition feature automates.
Use our STP calculator to compare a lump-sum deployment against a 6-month, 12-month, and 18-month STP across different market scenarios.
A note on projection assumptions
All three calculators on this site cap equity return assumptions at 13% annualised, per AMFI advertising guidelines. Historical Indian large-cap equities have delivered roughly 12% CAGR over 20-year windows; mid-caps ~14%; small-caps ~15% with much higher drawdowns. The calculator output is a projection, not a promise. Past performance is never a guarantee of future returns.