When does withdrawal start in the simulation?
Withdrawals begin right after the accumulation period ends. If you invest for 10 years, withdrawals start in year 11.
Personal Finance Simulation Engine
Plan your money timeline with one calculator
Model monthly investing, optional withdrawals, and long-term sustainability in one place. Built for SIP growth, SWP withdrawals, and retirement scenarios.
Step 1 of 4
How much do you invest monthly?
Your regular monthly contribution
€
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Your simulation will appear here
Fill in the steps on the left and click Simulate to see your portfolio projection with smart insights.
Frequently asked questions
Can I use this as a SIP and SWP calculator?
Yes. The same engine models accumulation (SIP-like) and withdrawal (SWP-like) phases in one timeline.
Are returns guaranteed?
No. Returns are assumptions for planning purposes only. Real market performance can be higher or lower.
Educational planning tool only, not financial advice.