Weekly to quarterly SIPs, step-up contributions, multiple lumpsums, year-wise charts, and a goal-based reverse calculator — all estimated instantly in your browser.
Add one or more one-time investments. Each is compounded from its own investment year to the end of the total duration.
Enter your target corpus and find out how much you'd need to invest each period to reach it.
Inflation projections are equally approximate — real-world inflation also varies year to year.
See how much starting late could cost you, using your current SIP inputs above.
Saved only on this device — never uploaded anywhere.
SIP is most commonly associated with mutual funds, but the concept of investing a fixed amount at regular intervals can apply to other investment products too.
No. Returns depend on market performance. This planner uses a constant assumed annual return for estimation only — actual returns will vary and are never distributed evenly over time.
The annual return is converted to a periodic rate using i = (1 + annual return) ^ (1 / periods per year) − 1, so compounding across periods reproduces the stated annual return exactly, instead of simply dividing by the number of periods.
A step-up (or top-up) SIP automatically increases your contribution amount by a fixed percentage every year, helping your investment keep pace with rising income.
Each year's contributions are projected forward to the end of the investment period on their own, showing how much return that specific year's money generated — earlier contributions typically generate more return than later ones.
Yes. Turn on "Add lumpsum investments" in the SIP panel to add one or more one-time amounts at any point during the SIP period, or use the dedicated Lumpsum tab for lumpsum-only planning.
No. Every calculation runs locally in your browser. Local history is stored only in this browser's local storage and is never sent to a server.
Yes, optionally. Turn on inflation adjustment and enter an expected inflation rate to see the estimated real (today's money) value of your future corpus alongside the nominal value.
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