Income Planner – SIP, SWP & Step-Up Investment Calculator
Income Planner is a free online tool that lets you combine multiple investment calculators into one plan.
Instead of calculating SIP, SWP, and Step-Up SIP returns one at a time, you can add them all to a single basket
and see the combined result.
What you can do here
- Calculate SIP (Systematic Investment Plan) returns for mutual funds, stocks, gold, and more
- Plan SWP (Systematic Withdrawal Plan) to figure out withdrawals from your corpus
- Use Step-Up SIP to see how increasing your monthly investment every year changes the outcome
- Add a Lumpsum investment and see how it compounds over time
- Combine all of the above into one portfolio and get a combined projection
How to use Income Planner
- Click the + button and pick an asset type (Mutual Fund, Stock, Gold, etc.)
- Adjust the monthly amount, time period, and expected return rate
- Switch the plan type to Step-Up SIP, SWP, or Lumpsum if needed
- Add more plans by clicking + again — mix and match as needed
- Press "Calculate All Plans" to see your combined results
Frequently Asked Questions
What is a SIP calculator?
A SIP calculator helps you estimate how much your monthly investments will grow over time. You enter how much
you invest each month, for how many years, and at what expected return rate — and it shows you the final amount.
How is this different from other SIP calculators?
Most calculators only handle one plan at a time. Income Planner lets you add multiple plans — SIP, Step-Up SIP,
SWP, Lumpsum — and calculates the combined result.
Can I plan SIP and SWP together?
Yes. Add a SIP for the accumulation phase and an SWP for withdrawals, all in the same basket. See the big
picture of how much you build up and how long your withdrawals last.
What is a Step-Up SIP?
A Step-Up SIP is when you increase your monthly investment by a fixed percentage every year. For example, start
with 5,000/month and step up 10% each year.
Is this tool free?
Yes, completely free. No sign-up, no ads, no hidden charges.
How can I use SWP for monthly income after retirement?
Add an SWP plan with your total corpus, the monthly amount you want to withdraw, and the expected return rate.
The calculator shows how long your money will last.
Can I plan for my child's education?
Yes. Add a SIP or Step-Up SIP with the time period matching your goal — say 15 years for college. Set the
monthly amount and expected return, and see the projected corpus.
Does Income Planner account for inflation?
Yes. Results include both nominal and inflation-adjusted values, so you know what your money is really worth
in today's terms.