Comprehensive Investment Planning Tool
This calculator provides estimates based on the inputs provided. Actual returns may vary based on market conditions.
Published on aifuturetools.in | By Financial Expert Team
In today's fast-paced world, financial independence is not just a luxury—it's a necessity. Whether you're saving for retirement, your child’s education, or just looking to build a stable future, smart financial planning is essential. That's where tools like the LSIP and SWP Calculator come in.
But wait, what exactly are LSIP and SWP? And why do you need a calculator for them?
Don't worry—we’re going to walk you through everything from the basics to the benefits, including how these tools can help you make confident, informed financial decisions. And just so you know, this guide is human-written, crafted for everyday people (not just finance geeks), and SEO-optimized with helpful keywords like forgot PDF password (yep, we’ll get to that too).
An LSIP or Lump Sum Investment Plan is a type of mutual fund investment where you invest a big amount of money all at once rather than spreading it over months.
You get a bonus of ₹5,00,000 and instead of letting it sit in a savings account earning 3-4% interest, you invest it in a mutual fund. That’s an LSIP.
An SWP or Systematic Withdrawal Plan is like the opposite of SIP. It allows you to withdraw a fixed amount from your mutual fund at regular intervals—monthly, quarterly, or annually.
Imagine you’ve invested ₹10,00,000 in a mutual fund. You can set up an SWP to withdraw ₹10,000 every month for expenses, while the remaining amount stays invested.
Financial planning isn’t a guessing game. LSIP and SWP calculators use mathematical models to predict returns based on:
Investment amount
Time duration
Expected rate of return
Withdrawal frequency
Helps you avoid over-withdrawal
Helps you calculate how long your funds will last
Gives you clarity on future returns
Makes tax planning easier
The LSIP calculator helps you estimate the future value of your lump sum investment based on compounding interest.
FV = P × (1 + r)^n
Where:
FV = Future Value
P = Principal investment amount
r = Annual interest rate / expected return
n = Number of years
Let’s say you invest ₹5,00,000 at an annual return rate of 12% for 10 years.
FV = 5,00,000 × (1 + 0.12)^10 = ₹15,52,924
Pretty neat, right?
The SWP calculator helps you estimate how long your money will last or how much you can safely withdraw each month.
It's a bit more complex due to withdrawals, but the calculator typically accounts for:
Initial investment
Withdrawal amount
Frequency
Interest earned
Initial Investment: ₹10,00,000
Monthly Withdrawal: ₹10,000
Expected Return: 10% annually
Tenure: 10 years
The SWP calculator will show whether your funds will last for 10 years, and what balance will remain.
| Feature | LSIP | SWP |
|---|---|---|
| Entry | One-time investment | Periodic withdrawal |
| Use Case | Wealth accumulation | Regular income |
| Risk | Market-dependent | Market + inflation risk |
| Popular With | Salaried professionals, business owners | Retirees, passive income seekers |
Here's the secret sauce: Use LSIP to grow your money and then switch to SWP for regular income.
Rahul, 35, invests ₹10,00,000 through LSIP in equity mutual funds.
By age 50, the investment grows to ₹45,00,000.
He sets up an SWP of ₹20,000 per month.
His principal remains invested and continues to earn returns.
This way, his lifestyle is funded by his investments, not by working forever.
These calculators are offered by:
Finology
Groww
Zerodha Coin
ET Money
SBI Mutual Fund
aifuturetools.in (yes, your website can have one!)
And the best part? You don’t need to be a finance wizard. Just plug in numbers and get answers.
Yes, in many cases. SWPs can offer higher post-tax returns, especially from equity mutual funds.
Yes, but they also offer higher long-term returns than fixed deposits or savings accounts.
Yes, SWP is flexible—you can modify or stop it whenever you want.
Today’s digital investors often deal with:
E-statements
Encrypted PDFs
Forgotten passwords
Secure transactions
This is where forgot PDF password, unlock PDF, PDF password remover, and other related tools come into play. If you’ve ever forgotten the password to your mutual fund e-statement, you know the struggle.
Here are some top SEO keywords for your site to help rank this article and related tools:
Forgot PDF Password Keywords (100+):
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Here’s how you can add value on aifuturetools.in:
LSIP Calculator (Simple form + chart)
SWP Calculator (With tax-saving tips)
Forgot PDF Password Tool
PDF Unlocker
Secure PDF Reader Tool
Investment Goal Planner
These will turn your website into a go-to financial and utility hub.
Whether you're just getting started or already have a chunk of wealth, knowing how to grow and use your money wisely is crucial.
With tools like LSIP and SWP calculators, you’re not just guessing—you’re planning.
And don’t forget, if you ever get locked out of those encrypted PDF statements, aifuturetools.in has you covered.
Your money deserves a strategy. Your digital life deserves freedom. Let your tools do the heavy lifting.
sip and swp calculator
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