Professional-Grade Tool
Lifeline Investment Tool
Plan your complete investment lifeline — add SIPs, lump sums, withdrawals at any year.
Configure Your Lifeline
Existing investments (optional)
Key Insight
Over 30 years, you invest ₹57.19 L, withdraw ₹0, and still have ₹7.81 Cr remaining. Your peak corpus of ₹7.81 Cr was reached in Year 30. That's the power of planned investing!
Corpus Growth Timeline
Your wealth trajectory across all life events
Event Timeline
When each event is active during your planning horizon
Year-by-Year Breakdown
Complete financial flow across your entire lifeline
| Year | Opening | SIP In | Lump In | SWP Out | Lump Out | Interest | Closing |
|---|---|---|---|---|---|---|---|
| Yr 1 | ₹0 | ₹1.80 L | --- | --- | --- | ₹12,140 | ₹1.92 L |
| Yr 2 | ₹1.92 L | ₹1.98 L | --- | --- | --- | ₹37,722 | ₹4.28 L |
| Yr 3 | ₹4.28 L | ₹2.18 L | --- | --- | --- | ₹68,953 | ₹7.15 L |
| Yr 4 | ₹7.15 L | ₹2.40 L | --- | --- | --- | ₹1.07 L | ₹10.61 L |
| Yr 5 | ₹10.61 L | ₹2.64 L | --- | --- | --- | ₹1.52 L | ₹14.77 L |
| Yr 6 | ₹14.77 L | ₹2.90 L | --- | --- | --- | ₹2.07 L | ₹19.74 L |
| Yr 7 | ₹19.74 L | ₹3.19 L | --- | --- | --- | ₹2.72 L | ₹25.64 L |
| Yr 8 | ₹25.64 L | ₹3.51 L | --- | --- | --- | ₹3.49 L | ₹32.64 L |
| Yr 9 | ₹32.64 L | ₹3.86 L | --- | --- | --- | ₹4.40 L | ₹40.90 L |
| Yr 10 | ₹40.90 L | ₹4.24 L | --- | --- | --- | ₹5.47 L | ₹50.61 L |
| Yr 11 | ₹50.61 L | ₹4.67 L | --- | --- | --- | ₹6.73 L | ₹62.02 L |
| Yr 12 | ₹62.02 L | ₹5.14 L | --- | --- | --- | ₹8.21 L | ₹75.37 L |
| Yr 13 | ₹75.37 L | ₹5.65 L | --- | --- | --- | ₹9.94 L | ₹90.95 L |
| Yr 14 | ₹90.95 L | ₹6.21 L | --- | --- | --- | ₹11.95 L | ₹1.09 Cr |
| Yr 15 | ₹1.09 Cr | ₹6.84 L | --- | --- | --- | ₹14.30 L | ₹1.30 Cr |
| Yr 16 | ₹1.30 Cr | --- | --- | --- | --- | ₹16.52 L | ₹1.47 Cr |
| Yr 17 | ₹1.47 Cr | --- | --- | --- | --- | ₹18.62 L | ₹1.65 Cr |
| Yr 18 | ₹1.65 Cr | --- | --- | --- | --- | ₹20.98 L | ₹1.86 Cr |
| Yr 19 | ₹1.86 Cr | --- | --- | --- | --- | ₹23.64 L | ₹2.10 Cr |
| Yr 20 | ₹2.10 Cr | --- | --- | --- | --- | ₹26.63 L | ₹2.37 Cr |
| Yr 21 | ₹2.37 Cr | --- | --- | --- | --- | ₹30.01 L | ₹2.67 Cr |
| Yr 22 | ₹2.67 Cr | --- | --- | --- | --- | ₹33.82 L | ₹3.00 Cr |
| Yr 23 | ₹3.00 Cr | --- | --- | --- | --- | ₹38.11 L | ₹3.39 Cr |
| Yr 24 | ₹3.39 Cr | --- | --- | --- | --- | ₹42.94 L | ₹3.82 Cr |
| Yr 25 | ₹3.82 Cr | --- | --- | --- | --- | ₹48.39 L | ₹4.30 Cr |
| Yr 26 | ₹4.30 Cr | --- | --- | --- | --- | ₹54.52 L | ₹4.84 Cr |
| Yr 27 | ₹4.84 Cr | --- | --- | --- | --- | ₹61.44 L | ₹5.46 Cr |
| Yr 28 | ₹5.46 Cr | --- | --- | --- | --- | ₹69.23 L | ₹6.15 Cr |
| Yr 29 | ₹6.15 Cr | --- | --- | --- | --- | ₹78.01 L | ₹6.93 Cr |
| Yr 30 | ₹6.93 Cr | --- | --- | --- | --- | ₹87.90 L | ₹7.81 Cr |
| Total | ₹57.19 L | ₹0 | ₹0 | ₹0 | ₹7.24 Cr | ₹7.81 Cr |
Net Summary
Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.
From building wealth to drawing on it — the full money journey
A complete financial life has two halves: accumulation, where you invest and grow your money, and decumulation, where you draw an income from it. Most tools cover only one. This calculator models both — how a corpus builds through your working years and how long it lasts once you begin withdrawing — so you can see the whole arc in one place.
Modelling the two phases together makes the key trade-offs visible: how much you invest and for how long determines the corpus, and how much you withdraw and at what return determines how long it survives. Adjusting any of these shows immediately whether the plan holds together across your lifetime.
How this calculator works
- 1Enter your accumulation inputs — monthly investment, return and years.
- 2Enter your withdrawal inputs — the income you’ll draw and the post-retirement return.
- 3The calculator projects the corpus at retirement and how long it sustains your withdrawals.
Frequently asked questions
What is the difference between accumulation and decumulation?
Accumulation is the phase where you invest and let the corpus grow — typically your working years. Decumulation is when you stop adding and start drawing an income from the corpus — typically retirement. A complete plan needs both to hang together: enough is built, and it is drawn at a sustainable rate.
How do I know if my withdrawal plan is sustainable?
Compare your withdrawal rate with your expected return net of inflation. If you withdraw less than the corpus grows, it can last indefinitely; withdraw more and it depletes. Testing the withdrawal against the number of years you need it — as this tool does — shows whether the plan survives your lifetime.
Why model both phases together?
Because the size of the corpus you build directly determines how much income it can sustainably provide. Planning accumulation and withdrawal in isolation can leave a gap; modelling them together lets you adjust savings, horizon or withdrawal until the whole journey is consistent.
Illustrative projections; actual returns and inflation vary and are not guaranteed.
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