SIP Calculator

You pick an amount you’re comfortable with — say ₹5,000 — and it gets invested in a mutual fund on the same date every month, automatically. Some months you’ll buy when the market is up, some months when it’s down. Over the years that averaging smooths out the bumps, and you never have to guess the “right time” to invest.

Because the last few years of compounding do most of the heavy lifting. ₹5,000 a month at 12% grows to about ₹12 lakh in 10 years — but leave it running for 20 years and it’s nearly ₹50 lakh. Same monthly amount, four times the wealth. Waiting five years to start usually costs more than any clever fund selection can earn back.

It raises your SIP once a year — usually by 10%, roughly in line with a salary hike. It feels painless because the increase arrives with your increment, but the effect is huge: a ₹10,000 SIP at 12% for 15 years gives about ₹50 lakh flat, and about ₹87 lakh with a 10% yearly step-up. If your income grows every year, your SIP probably should too.

Over 15+ year stretches, Indian large-cap equity has historically delivered around 12–14% a year, debt funds closer to 6–8%, and gold somewhere in between. For planning, 10–12% is a sensible equity assumption — optimistic enough to be useful, conservative enough that you’re not banking on a bull market. And remember inflation quietly eats ~6% a year, which is what the inflation toggle shows you.

SIP is money going in every month. Lumpsum is one big amount invested once and left to compound. SWP is the reverse gear — you have a corpus and pull a fixed amount out every month, typically after retirement. Many people use all three across a lifetime: SIP while earning, lumpsum for a bonus or windfall, SWP once the paychecks stop.

The rule of thumb is about 4% of your corpus per year. On a ₹1 crore corpus that’s roughly ₹33,000 a month — at that pace, with the rest still earning returns, the money typically outlives you. Withdraw 7–8% and the same corpus can run dry in 15–20 years. The SWP tab lets you test exactly this.

No — and be wary of anything that says otherwise. These are projections at a steady assumed return, while real markets zig-zag around that line. Think of the result as a well-informed estimate for planning, not a promise. The habit of investing every month matters far more than the second decimal of the assumed return.