Wealth Harvest Planner
Plan(t) Today, Live Freely — calculate the SIP needed for your retirement target, compare it with your planned SIP, and test whether the retirement harvest can last.
Blank gray fields need your amounts. Green fields have been entered or changed; linked values are carried from Retirement.
Plant your wealth
Let it grow
Plan your retirement harvest
Starting SWP is ₹0 per month. You can edit the amount below to test another retirement income level.
- Existing corpus planted
- ₹0
- Total SIP contributions
- ₹0
- Total amount planted
- ₹0
- Corpus after SIP phase
- ₹0
- Corpus when SWP begins
- ₹0
- Required retirement corpus
- Complete Retirement Calculator
- Funding position when SWP begins
- Complete Retirement Calculator
- Monthly SIP required
- Complete Retirement Calculator
- Planned monthly SIP
- ₹0
- Room after planned retirement SIP
- ₹0
- Starting monthly retirement SWP
- ₹0
- Total retirement income withdrawn
- ₹0
- Retirement income lasts
- Beyond 30 years
- Retirement corpus after 30 years
- ₹0
The Retirement Calculator defines the SIP tenor, monthly income and target corpus. SIPs continue for that full tenor. Any selected moratorium starts only after SIPs end, allowing the corpus to grow without contributions or withdrawals before the first SWP. Actual mutual fund returns and withdrawal outcomes will vary.
PowerMyMoney
Wealth Harvest Planner
Plan(t) Today, Live Freely
Detailed illustrative calculation · 24/9/2026
Your assumptions
- Existing investment corpus
- ₹0
- Monthly SIP
- ₹0
- SIP period
- 10 years
- SIP expected return
- 10% p.a.
- SWP moratorium after SIPs
- None
- Retirement target corpus
- Not yet calculated
- Starting retirement SWP
- ₹0 monthly
- Return during SWP
- 8% p.a.
- SWP projection period
- 30 years
- Yearly SWP increase
- 5% yearly
Result summary
- Existing corpus planted
- ₹0
- Total SIP contributions
- ₹0
- Total amount planted
- ₹0
- Corpus after SIP phase
- ₹0
- Corpus when SWP begins
- ₹0
- Required retirement corpus
- Not yet calculated
- Funding position when SWP begins
- Complete Retirement Calculator
- Monthly SIP required
- Not yet calculated
- Planned monthly SIP
- ₹0
- Starting monthly retirement SWP
- ₹0
- Total retirement income withdrawn
- ₹0
- Retirement income lasts
- Beyond 30 years
- Retirement corpus after 30 years
- ₹0
How the calculation works
- Plant: each monthly SIP is added before that month's growth. Monthly rate = annual SIP return ÷ 12.
- Existing corpus: the one-time opening amount compounds monthly alongside SIP contributions.
- Grow: the combined corpus compounds monthly at the SIP return during the moratorium, with no withdrawals.
- Starting SWP: either post-moratorium corpus × withdrawal rate ÷ 12, or the selected monthly amount increased through the moratorium.
- Harvest: monthly growth is applied before each withdrawal. The chosen increase is applied after every 12 withdrawals.
Year-by-year calculation
| Phase / year | Opening | Added | Growth | Withdrawn | Closing |
|---|---|---|---|---|---|
| Plant 1 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Plant 2 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Plant 3 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Plant 4 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Plant 5 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Plant 6 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Plant 7 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Plant 8 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Plant 9 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Plant 10 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 1 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 2 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 3 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 4 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 5 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 6 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 7 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 8 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 9 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 10 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 11 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 12 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 13 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 14 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 15 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 16 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 17 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 18 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 19 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 20 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 21 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 22 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 23 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 24 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 25 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 26 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 27 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 28 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 29 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Harvest 30 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |