SIP Calculator
Calculate how your monthly SIP grows over time with the power of compounding. Move the sliders and results update instantly.
Monthly SIP Amount₹10,000
₹500₹2 Lakh
Expected Annual Return12%
4%30%
Investment Duration15 Yrs
1 Yr40 Yrs
Inflation Rate6%
2%12%
📌 Starting early matters more than investing more. A 25-year-old investing ₹5,000/month at 12% for 30 years builds ₹1.76 Cr. Starting at 35 builds only ₹49 Lakh.
SIP Results
Total Corpus
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InvestedGains
Total Invested—
Estimated Gains—
Absolute Returns—
Inflation-Adj. Value—
Results are illustrative only. Actual returns vary. Mutual fund investments are subject to market risks.
Lump Sum Calculator
See how a one-time investment grows over time. Useful for bonuses, windfall amounts, or inherited money you want to invest at once.
One-Time Investment₹5,00,000
₹10K₹1 Cr
Expected Annual Return12%
4%30%
Investment Duration10 Yrs
1 Yr40 Yrs
Inflation Rate6%
2%12%
📌 If unsure of market timing, consider spreading the same amount as SIP over 12 months to reduce timing risk.
Lump Sum Results
Maturity Value
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InvestedGains
Amount Invested—
Wealth Gained—
Absolute Returns—
Inflation-Adj. Value—
Results are illustrative. Actual returns vary. Mutual fund investments are subject to market risks.
SWP Calculator
Systematic Withdrawal Plan — plan regular monthly income from your corpus while the remaining amount continues to grow.
Starting Corpus₹50,00,000
₹1 Lakh₹5 Cr
Monthly Withdrawal₹30,000
₹1K₹5 Lakh
Expected Annual Return10%
4%20%
📌 If monthly withdrawal < monthly return on corpus, your corpus never depletes — it actually grows. Key goal for retirement income planning.
SWP Results
Corpus Will Last
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Monthly Income—
Annual Income—
Total Withdrawals—
Corpus Sustains?—
Results are illustrative. Returns assumed constant. Actual fund returns vary month to month.
Retirement Planner
Find out exactly how much SIP you need today to retire comfortably — accounting for inflation and the 25x rule for retirement corpus.
Current Age30 Yrs
2060
Retirement Age60 Yrs
4070
Monthly Expenses Today₹50,000
₹10K₹5 Lakh
Expected Inflation6%
3%12%
Expected Return (pre-retirement)12%
6%20%
🏖️ Uses the 25x annual expenses rule. Revisit this plan every 3–5 years as your lifestyle and income evolve.
Retirement Results
Corpus Required at Retirement
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Years to Retirement—
Monthly Expenses at Retirement—
Monthly SIP Required—
Total SIP Investment—
Assumes 25x annual expenses as corpus. Consult a SEBI-registered advisor for a personalised retirement plan.
ELSS / Tax Saving Calculator
See how much tax you save under Section 80C and how your ELSS investment grows — with the shortest 3-year lock-in among all 80C options.
Annual ELSS Investment₹1,50,000
₹500₹1.5 Lakh
Your Tax Slab30%
5%30%
Expected Annual Return12%
6%25%
Investment Duration10 Yrs
3 Yrs (min)30 Yrs
💼 80C deduction capped at ₹1,50,000/year. LTCG above ₹1.25 lakh taxed at 12.5%. ELSS has shortest lock-in (3 years) vs PPF (15 yrs), NSC (5 yrs).
ELSS / Tax Saving Results
Maturity Value
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Total Invested—
Annual Tax Saved (80C)—
Total Tax Saved over Period—
Wealth Gained—
80C limit ₹1.5L/year. LTCG above ₹1.25L taxed at 12.5%. Consult your tax advisor for exact savings.
Step-Up SIP Calculator
Increase your SIP every year as your income grows. See how much extra wealth this generates compared to a flat SIP.
Starting Monthly SIP₹10,000
₹500₹2 Lakh
Annual Step-Up %10%
1%50%
Expected Annual Return12%
4%30%
Investment Duration15 Yrs
1 Yr40 Yrs
📈 A 10% annual step-up typically generates 40–60% more corpus over 20 years vs a flat SIP — simply by matching your SIP growth to your income growth.
Step-Up SIP Results
Total Corpus
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Total Invested—
Wealth Gained—
Final Monthly SIP—
Plain SIP Corpus—
Extra vs Plain SIP—
Step-up applied at start of each year. Returns not guaranteed. Results are illustrative.
SIP vs Lump Sum Comparison
Compare growing the same total money via monthly SIP versus a one-time lump sum. See which strategy wins for your time horizon.
Total Investment Amount₹12,00,000
₹12K₹6 Cr
Investment Duration10 Yrs
1 Yr40 Yrs
Expected Annual Return12%
4%30%
📌 Both deploy the same total money. Lump sum wins in rising markets; SIP reduces timing risk through rupee cost averaging in volatile markets.
Comparison Results
SIP Corpus
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Lump Sum Corpus
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Winner
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Monthly SIP Amount—
SIP Wealth Gained—
Lump Sum Wealth Gained—
Difference—
Both assume same total money. Results are illustrative. Lump sum often higher in bull markets; SIP better for risk management.
Child Education Planner
Calculate the SIP needed today to fund your child's higher education — accounting for education inflation which runs higher than regular CPI inflation in India.
Child's Current Age5 Yrs
017
Education Starting Age18 Yrs
1625
Current Cost of Education₹20,00,000
₹1 Lakh₹2 Cr
Education Inflation Rate8%
4%15%
Expected Fund Return12%
6%20%
🎓 Education costs inflate at 8–10% annually in India. A ₹20L degree today costs ~₹93L in 20 years at 8% inflation. Starting early is everything.
Education Planning Results
Monthly SIP Required
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Years to Goal—
Future Education Cost—
Total SIP Investment—
Gains on Investment—
Education inflation assumed constant. Returns are illustrative. Start as early as possible — time is your greatest asset.