Retirement
Work backwards from the monthly income you want, then step up your SIP as your salary grows.
Investment calculator
Plan your SIP, step-up SIP, lumpsum or monthly withdrawals. Adjust the numbers and watch time do its quiet work.
Invested amount
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Estimated returns
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Total value
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Every goal deserves its own SIP.
Education
College costs arrive on a fixed date. Starting early lets smaller instalments do the work.
Family goals
A home, a wedding, a sabbatical — give every goal its own SIP and its own timeline.
FAQs
How the calculator works.
How is the SIP value calculated?
We use the standard formula M = P × ({[1 + i]^n − 1} / i) × (1 + i), where P is the monthly instalment, i is the monthly rate (annual rate ÷ 12) and n is the number of months. Instalments are assumed at the start of each month.
Will my investment actually grow at this rate?
Not necessarily. The calculator assumes a constant return for illustration. Real mutual fund returns move with markets and can be negative in some periods. Use it to understand the effect of time and discipline, not to predict outcomes.
What is a step-up SIP?
A step-up (or top-up) SIP raises your monthly instalment by a fixed percentage every year, usually in line with income growth. Many fund houses support it as a standing instruction.
What is an SWP?
A Systematic Withdrawal Plan lets you withdraw a fixed amount every month from a mutual fund corpus while the remaining units stay invested. It is often used for regular income in retirement. Withdrawals may have tax implications.
Are taxes and exit loads included?
No. The figures exclude taxes, exit loads and expense ratios. Ask our team to walk you through the costs that apply to the schemes you are considering.
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