Advanced Wealth Lifecycle Portfolio Calculator
Multi-investment portfolio — each with independent start date, Step-up SIP, Pause, and SWP. Shared or independent withdrawal modes.
The Complete Wealth Lifecycle Calculator
Most investment calculators show you one phase of your financial life. This tool models all three — accumulation, preservation, and withdrawal — as a single continuous journey, giving you a realistic picture of how wealth builds and sustains itself over decades.
Whether you are planning a step-up SIP in Indian mutual funds, managing a USD retirement portfolio, or building a multi-currency international investment plan, the calculator handles it within a single browser tab with no sign-up, no data sent to any server, and no cost.
Key Features
📈 Step-up SIP Calculator
Monthly investments with annual percentage step-up. Compounding applied monthly with SIP added at the beginning of each period — the mathematically correct timing.
⏸ Pause / Hold Phase
Model career gaps, sabbaticals, or the period between stopping investments and starting withdrawals. Your corpus continues compounding at a set rate.
💸 Step-up SWP Calculator
Systematic Withdrawal Plan with inflation-linked annual step-up. Warns you when your SWP step-up is below inflation — protecting your retirement purchasing power.
📉 Inflation-Adjusted Real Returns
Real Total Wealth = inflation-discounted final corpus + inflation-discounted withdrawals. Tracks the full Phase 3 corpus growth, not just the Phase 1+2 peak.
🌍 20 Currency Support
INR, USD, EUR, GBP, JPY, AUD, SGD and 13 more. Indian formatting (lakh/crore) for INR, international formatting (K/M/B) for all others. Default inflation rate per currency.
💼 Multi-Portfolio Management
Unlimited named portfolios — Retirement, Child Education, House Down Payment. Each portfolio has its own currency, inflation rate, and set of investments.
🔗 Shared & Independent SWP
Mark investments as contributing to a shared withdrawal pool, or give each investment its own SWP. Useful when some investments mature at different times.
🖨 Print & Export
Print to PDF with charts rendered. Export to JSON (full backup) or CSV (spreadsheet editing). Import CSV with template — bulk-load investments from Excel.
How to Use the Wealth Lifecycle Calculator
- Create a portfolio — name it (e.g. "My Retirement") and select your currency and inflation rate from the top bar.
- Add investments — each investment has an independent start date, lumpsum, monthly SIP, and annual step-up. Set the expected return for your asset class.
- Configure the pause phase — set how many years the corpus compounds before withdrawals begin, and the expected return during that period.
- Set up your SWP — choose Independent SWP (per investment) or Shared SWP (pooled withdrawals). Set the monthly amount, annual step-up, and duration.
- Review results — the portfolio summary panel updates instantly. Check the Real Returns section to see inflation-adjusted wealth and purchasing power retained.
- Export or print — use the toolbar above the charts to export JSON (full backup), CSV (for spreadsheet), or Print to PDF.
Understanding the Financial Math
All calculations use monthly compounding (Annual Rate ÷ 12). SIP investments are applied at the beginning of each month and compound for the full month — the annuity-due method, which is the correct timing for mutual fund SIPs. Annual step-ups are applied at the end of every 12 months. SWP withdrawals are applied at the end of each month after that month's growth.
Real returns use the Fisher equation: Real Return = ((1 + Nominal) / (1 + Inflation)) − 1. The Real Total Wealth figure discounts the final remaining corpus and all withdrawals back to today's purchasing power using the set inflation rate, accounting for the full Phase 3 corpus growth during withdrawals.
Frequently Asked Questions
What is the difference between SIP and Step-up SIP?
A regular SIP (Systematic Investment Plan) invests a fixed amount every month throughout the investment tenure. A step-up SIP increases that monthly amount by a fixed percentage each year — for example, starting at ₹10,000/month with a 10% annual step-up grows to ₹11,000 in year 2, ₹12,100 in year 3, and ₹25,937 by year 10. Step-up SIPs are significantly more powerful for wealth creation because your investments grow alongside your income.
How does the Pause / Hold phase work?
The pause phase models the period between stopping active investments and starting withdrawals. During this phase, no new money is added but the accumulated corpus continues compounding at your specified return rate. Common examples include the gap between retirement from work and starting a pension, or taking a career break. The calculator lets you set the duration and expected return independently from the accumulation phase.
What is SWP step-up and why does it matter?
SWP step-up is the annual increase in your monthly withdrawal amount. If your SWP step-up equals the inflation rate, your withdrawals maintain constant purchasing power — you are effectively withdrawing the same real amount each year. If SWP step-up is below inflation, your withdrawals slowly lose purchasing power. The calculator quantifies this erosion and warns you: for example, a 5% SWP step-up against 6% inflation results in 23% purchasing power loss over 25 years.
Can the corpus run out during the withdrawal phase?
Yes — if withdrawals exceed the corpus returns, the corpus depletes over time. The calculator detects this precisely: when the corpus falls below the monthly withdrawal amount, it withdraws only what remains, sets the corpus to zero, and halts further withdrawals. A prominent warning shows exactly which month and year the depletion occurs. To avoid depletion, increase your accumulation period, reduce the SWP amount, lower the SWP step-up, or increase the investment return assumption.
How is this different from regular SIP calculators?
Standard SIP calculators show only the accumulation phase and give you a lump-sum corpus at the end. This calculator models the entire lifecycle: accumulation with step-up SIP, a configurable pause phase, and inflation-adjusted step-up SWP withdrawals — showing you what your corpus becomes month by month across potentially 50+ years. It also supports multiple investments per portfolio, multiple portfolios, 20 currencies, real return calculations, and visual charts for each phase.
Is my data safe? Where is it stored?
All data stays on your device. The calculator is a single HTML file — it runs entirely in your browser with no server, no accounts, and no data transmitted anywhere. Portfolio data is saved in your browser's localStorage, which means it persists across sessions on the same device and browser. Use the Export JSON feature to back up your portfolios or move them to another device.