Systematic Wealth Engine · Compounding Simulator · 100% Zero Bias

SIP Calculator - Mutual Fund Systematic Investment Plan

Mutual Fund SIP aur lumpsum se wealth growth calculate karein. Annual step-up contributions aur inflation-adjusted real value dekhein.

Monthly SIP

One-Time Lumpsum

Monthly Investment

₹

₹5,000

₹500₹2 L

Presets:

Expected Return Rate (% p.a.)

1 %30 %

Presets:

Investment Horizon (Years)

1 Yr40 Yr

Presets:

Advanced Wealth Modeling

Annual Step-Up ContributionIncrease monthly deposit annually with salary increments

+10%/yr default

Adjust for InflationCalculate real purchasing power in today's rupee terms

6.0% default

Wealth Projection Summary

₹11,61,695

Target horizon: 10 Years

Principal Amount₹6,00,000

Total Interest₹5,61,695

Total Amount PayableInvested Capital + Compound Returns

₹11,61,695

Total Corpus₹11,61,695

Principal Amount

₹6,00,000(52%)

Total Interest

₹5,61,695(48%)

Compounding Principles & Systematic Wealth Strategy

Rupee-cost averaging, step-up multipliers aur real returns samjhein.

Rupee Cost Averaging

SIP market crash hone par zyada units buy karta hai aur bull run me kam, jisse purchase cost average out hoti hai aur market timing ka tension khatam ho jata hai.

Step-Up Multiplier

Har saal salary hike ke mutabik monthly SIP me 10% increment karne se 15 saal ke time horizon me aapka total corpus 70% tak boost ho sakta hai.

The Rule of 72

Paise kitne saal me double honge yeh calculate karne ke liye 72 ko expected rate se divide karein. 12% return par aapka paisa har 6 saal me compound growth se double ho jata hai.

Wealth Projection Summary

Click any year row to view individual monthly principal & interest allocations.

Year	Opening Balance	Total Invested	Wealth Gained	Monthly Inv.	Total Corpus
Calculate loan parameters to generate yearly and monthly amortization schedule.

Frequently Asked Questions

Mutual funds me Systematic Investment Plan (SIP) kya hota hai?

SIP ek method hai jisme aap har mahine ek fixed amount mutual funds me invest karte ho. Isse disciplined saving hoti hai, Rupee Cost Averaging ka benefit milta hai aur long-term compounding se wealth create hoti hai.

Annual Step-Up SIP wealth creation ko kaise accelerate karta hai?

Salary increment ke sath har saal apne SIP amount ko 10% step-up karne se final corpus bohot dramatically badhta hai. 15 saal me static SIP ke comparison me step-up SIP 70% se zyada maturity corpus generate kar sakta hai.

Inflation-adjusted returns calculate karna kyun zaroori hai?

Inflation waqt ke sath paise ki purchasing power kam kar deta hai. 6% annual inflation par 20 saal baad ke ₹1 Crore ki value aaj ke lagbhag ₹31 Lakhs ke barabar hogi. Isliye realistic target set karne ke liye inflation adjustment zaroori hai.

SIP aur Lumpsum mutual fund investment me kya farak hai?

SIP market volatility ko absorb karne ke liye har mahine thoda thoda invest karta hai jo salaried logo ke liye best hai. Lumpsum ek baar me poora capital invest karta hai jo long-term horizon aur attractive valuations par highest returns deta hai.