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Systematic Wealth Engine · Compounding Simulator · 100% Zero Bias

SIP Calculator - Mutual Fund Systematic Investment Plan

Calculate wealth growth with mutual fund SIP and Lumpsum calculators. Model annual step-up contributions and calculate inflation-adjusted real purchasing power.

₹
₹5,000
₹500₹2 L
Presets:
%
1 %30 %
Presets:
Yr
1 Yr40 Yr
Presets:

Advanced Wealth Modeling

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

Understanding rupee-cost averaging, step-up multipliers, and real returns in Indian markets.

Rupee Cost Averaging

SIP automatically buys more mutual fund units when markets decline and fewer units during bull rallies, eliminating the need to time market entries.

Step-Up Multiplier

Increasing monthly SIP installments by +10% each year aligns with salary increments, multiplying final corpus by up to 70% over a 15-year horizon.

The Rule of 72

Divide 72 by your expected return rate to find when money doubles. At 12% p.a., your investment doubles every ~6 years purely from compound growth.

Wealth Projection Summary

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

YearOpening BalanceTotal InvestedWealth GainedMonthly Inv.Total Corpus
Calculate loan parameters to generate yearly and monthly amortization schedule.

Frequently Asked Questions

What is a Systematic Investment Plan (SIP) in mutual funds?
A SIP allows you to invest a fixed sum at regular monthly intervals into mutual fund schemes. It instills disciplined investing, averages purchase costs over market cycles (Rupee Cost Averaging), and harnesses compounding returns over long periods.
How does an Annual Step-Up SIP accelerate wealth creation?
Increasing your SIP contribution by 10% each year in line with salary increments dramatically accelerates compounding. Over a 15-year tenure, a 10% annual step-up can expand your final maturity corpus by over 70% compared to a static SIP.
Why should I calculate inflation-adjusted returns?
Inflation steadily reduces purchasing power over time. A maturity corpus of ₹1 Crore in 20 years with 6% annual inflation will have the purchasing power of only approximately ₹31 Lakhs in today's terms. Factoring inflation gives you realistic goal planning.
What is the difference between SIP and Lumpsum mutual fund investment?
SIP spreads your entry across market highs and lows to minimize timing risk, ideal for salaried individuals. Lumpsum invests entire capital upfront, maximizing returns when market valuations are attractive and investment horizon is long.