Funds
SIP and SWP together calculator
Save every month for some years, then draw the corpus down. See both in one plan.
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Result
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What is left at the very end
PKR 19,578,686.44
- Corpus when the saving ends
- PKR 9,991,479.19
- Total you saved
- PKR 2,400,000
- Total taken out
- PKR 12,000,000
- Months paid in full
- 240 months
- Monthly withdrawal that would just last
- PKR 83,019.27
Year by year
| Year | Saved so far | Taken out so far | Value |
|---|---|---|---|
| 1 | PKR 120,000 | PKR 0 | PKR 128,093.28 |
| 2 | PKR 240,000 | PKR 0 | PKR 272,432 |
| 3 | PKR 360,000 | PKR 0 | PKR 435,076.47 |
| 4 | PKR 480,000 | PKR 0 | PKR 618,348.34 |
| 5 | PKR 600,000 | PKR 0 | PKR 824,863.67 |
| 6 | PKR 720,000 | PKR 0 | PKR 1,057,570.31 |
| 7 | PKR 840,000 | PKR 0 | PKR 1,319,789.97 |
| 8 | PKR 960,000 | PKR 0 | PKR 1,615,265.65 |
| 9 | PKR 1,080,000 | PKR 0 | PKR 1,948,215.05 |
| 10 | PKR 1,200,000 | PKR 0 | PKR 2,323,390.76 |
| 11 | PKR 1,320,000 | PKR 0 | PKR 2,746,148.15 |
| 12 | PKR 1,440,000 | PKR 0 | PKR 3,222,521.75 |
| 13 | PKR 1,560,000 | PKR 0 | PKR 3,759,311.45 |
| 14 | PKR 1,680,000 | PKR 0 | PKR 4,364,179.52 |
| 15 | PKR 1,800,000 | PKR 0 | PKR 5,045,760 |
| 16 | PKR 1,920,000 | PKR 0 | PKR 5,813,781.94 |
| 17 | PKR 2,040,000 | PKR 0 | PKR 6,679,208.29 |
| 18 | PKR 2,160,000 | PKR 0 | PKR 7,654,392.36 |
| 19 | PKR 2,280,000 | PKR 0 | PKR 8,753,254.18 |
| 20 | PKR 2,400,000 | PKR 0 | PKR 9,991,479.19 |
| 21 | PKR 2,400,000 | PKR 600,000 | PKR 10,194,120.76 |
| 22 | PKR 2,400,000 | PKR 1,200,000 | PKR 10,413,581.48 |
| 23 | PKR 2,400,000 | PKR 1,800,000 | PKR 10,651,257.33 |
| 24 | PKR 2,400,000 | PKR 2,400,000 | PKR 10,908,660.16 |
| 25 | PKR 2,400,000 | PKR 3,000,000 | PKR 11,187,427.29 |
| 26 | PKR 2,400,000 | PKR 3,600,000 | PKR 11,489,331.96 |
| 27 | PKR 2,400,000 | PKR 4,200,000 | PKR 11,816,294.57 |
| 28 | PKR 2,400,000 | PKR 4,800,000 | PKR 12,170,394.92 |
| 29 | PKR 2,400,000 | PKR 5,400,000 | PKR 12,553,885.42 |
| 30 | PKR 2,400,000 | PKR 6,000,000 | PKR 12,969,205.44 |
| 31 | PKR 2,400,000 | PKR 6,600,000 | PKR 13,418,996.82 |
| 32 | PKR 2,400,000 | PKR 7,200,000 | PKR 13,906,120.66 |
| 33 | PKR 2,400,000 | PKR 7,800,000 | PKR 14,433,675.54 |
| 34 | PKR 2,400,000 | PKR 8,400,000 | PKR 15,005,017.22 |
| 35 | PKR 2,400,000 | PKR 9,000,000 | PKR 15,623,779.97 |
| 36 | PKR 2,400,000 | PKR 9,600,000 | PKR 16,293,899.73 |
| 37 | PKR 2,400,000 | PKR 10,200,000 | PKR 17,019,639.09 |
| 38 | PKR 2,400,000 | PKR 10,800,000 | PKR 17,805,614.46 |
| 39 | PKR 2,400,000 | PKR 11,400,000 | PKR 18,656,825.41 |
| 40 | PKR 2,400,000 | PKR 12,000,000 | PKR 19,578,686.44 |
How it is calculated
Saving: value = amount x ((1 + i)^n - 1) / i x (1 + i), with i the yearly return / 12 and n the months. It is rounded to the paisa once and becomes the corpus.
Withdrawing: at the start of each month the withdrawal is taken out and what is left earns one twelfth of the second yearly return.
The withdrawal that would just last = corpus x (A - B) x A^(n - 1) / (A^n - B^n), with A = 1 + i and B = 1 for the withdrawing return.
If the corpus cannot pay a full withdrawal, it pays what is left and the plan ends there.
Assumptions
- While saving, the amount goes in at the start of every month and the return of 12% a year is added each month.
- While withdrawing, the return of 8% a year is added each month to what is left.
- Both returns are the same every year. Real returns go up and down.
- No fees, charges or tax are taken off.
Results are worked out from the figures you enter and are only estimates. They are not advice.
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