Two calculators, both in Indian Rupees. Move the sliders, watch the projection update instantly, and then bring the result to a conversation with us.
A fixed amount invested every month, compounding as it goes.
Step-up increases your monthly contribution by this percentage every year — the single most effective way to grow a corpus without feeling the pinch, because contributions rise alongside your income. Try 10% and watch the difference.
A single amount invested once and left to compound.
Returns here compound annually. In practice we rarely deploy a large lumpsum into equity on a single day — it is usually parked in a liquid fund and moved across through a systematic transfer plan, which reduces the risk of investing everything at a market peak.
You should be able to reproduce every figure on this page yourself. Here is exactly what the calculators do.
Each monthly contribution is added at the start of the month and grows for the remaining months at one-twelfth of the annual rate. Summed across the full period, this is the standard annuity-due formula.
P monthly amount · i monthly rate (annual ÷ 12 ÷ 100) · n number of months
With a step-up, the contribution increases by your chosen percentage after every twelve instalments. The calculator runs the balance forward month by month rather than using a closed-form formula, so the result stays exact.
A 10% annual step-up on a 15-year SIP typically adds substantially more than a 10% larger corpus.
A single amount compounding annually for the full period. Nothing is added or withdrawn along the way, which is why the growth curve is smooth rather than stepped.
P amount invested · r annual rate ÷ 100 · y years
Extend a 15-year SIP to 25 years and the corpus usually more than triples, even though you only invested about 67% more. The last decade does most of the work, which is why starting late is expensive in a way that saving less is not.
Raising your SIP by 10% each year tracks a normal salary increment, so it never feels like a sacrifice — yet over two decades it can change the outcome more than chasing two extra percentage points of return ever will.
12% is a reasonable long-run assumption for a diversified Indian equity portfolio. Anything above 15% as a planning assumption is optimism, not planning — and a plan built on optimism fails quietly, years later.
Send us the scenario you just modelled. We will tell you what it takes to actually get there — the allocation, the products, the tax treatment and the protection that has to sit underneath it.
