SIP Calculator

Plan your wealth journey with smart calculations

Final Portfolio Value

₹23,23,391

in 10 years at 12% p.a.

Wealth Gain

94%

Multiplier

1.9x

Invested

₹12.00 L

Returns

₹11.23 L

Monthly Gain

₹9.4K

📉

Reality check: With 6% inflation over 10 years

₹12,97,369

Worth in today's money — that's 44% less purchasing power

Real Returns

+43%

Total Invested

₹12.00 L

Your capital

Inflation Adjusted

₹9.07 L

Est. Returns

₹11.23 L

Wealth created

Inflation Adjusted

₹3.90 L

Portfolio Split

Invested

Returns

Growth Trajectory

10 years journey

Key Insights

CAGR6.8%

Doubling Time6.0 yrs

Final Year Returns₹2.55 L

Daily Growth₹308

Adjust Your Plan

Monthly SIP₹10.0K

₹500₹5L

Return % (p.a.)12%

1%30%

Step-up %0%

0%25%

Time Period10 yrs

1yr40yrs

Inflation Rate6%

0%12%

💡 Advanced Investment Metrics

Wealth Multiplier

1.94x

ROI

93.6%

Today's Value (inflation-adjusted)

₹12.97 L

Inflation Rate: 6%

Return on Investment (inflation adj.)

43.0%

Avg Monthly Returns

₹9.4K

Daily Growth

₹308

Final Year Returns

₹2.55 L

Monthly Income (4%)

₹7.7K

Break-even Year

Year 10

Efficiency

⭐⭐⭐⭐

📊 Year-by-Year Breakdown

Year	Invested	Returns	Total
Y10	₹12.00 L	₹11.23 L	₹23.23 L
Y9	₹10.80 L	₹8.68 L	₹19.48 L
Y8	₹9.60 L	₹6.55 L	₹16.15 L
Y7	₹8.40 L	₹4.80 L	₹13.20 L
Y6	₹7.20 L	₹3.38 L	₹10.58 L
Y5	₹6.00 L	₹2.25 L	₹8.25 L
Y4	₹4.80 L	₹1.38 L	₹6.18 L
Y3	₹3.60 L	₹75.1K	₹4.35 L
Y2	₹2.40 L	₹32.4K	₹2.72 L
Y1	₹1.20 L	₹8.1K	₹1.28 L

📚 Research-Based Investment Facts

⏱️

Average Holding Period

3 years

64% of Indian SIP investors redeem their investments within 3 years, missing out on long-term wealth creation

📖 SEBI Research

📈

SIP Success Rate

95%+ success

Investors who stayed invested for 10+ years have seen 95%+ probability of positive returns in equity funds

📖 AMFI India

🚀

Step-up Impact

30-40% more wealth

A 10% annual SIP step-up can increase your wealth by 30-40% compared to fixed SIP over 15 years

📖 Association of Mutual Funds in India

🎯

Market Timing Myth

12-15% CAGR

SIP investors earned 12-15% CAGR regardless of market entry point, while lump sum timing mattered significantly

📖 NSE India Research

💰

Rupee Cost Averaging

15-20% more units

SIP investors accumulated 15-20% more units during market downturns, leading to better long-term returns

📖 SEBI Investor Education

🧠

Emotional Discipline

78% stay disciplined

78% of SIP investors continue investing during market crashes, while 65% of lump sum investors panic sell

📖 AMFI Investor Resources

📅 Research Update Notice: These insights are based on research studies. Always verify with current data from regulatory bodies.

📈 Additional Visualizations

Investment vs Returns

Returns % Over Time

First Year Monthly Growth

About This Calculator

Powerful SIP (Systematic Investment Plan) and Lumpsum calculator with beautiful pie charts, bar charts, and growth projections. Visualize your investment journey with monthly, yearly, 2-year, 3-year, 5-year, and decade charts. Include step-up SIP calculations with yearly increments. See exactly how your money grows over time.

SIP (Systematic Investment Plan)

Regular monthly investments with step-up options for disciplined wealth creation through rupee cost averaging.

Lumpsum Investment

One-time investment leveraging compound interest from day one for immediate wealth growth.

Key Features

• SIP & Lumpsum modes
• Step-up SIP calculations
• Inflation slider to view today's value
• Interactive charts & graphs
•

• Research-based insights
• Multiple time intervals
• Investment milestones
• Mobile-friendly design