01 · SIP
You put a fixed amount into a mutual fund every month. Each instalment buys units at that day's price, so you average out the highs and lows. This shows what regular investing could grow to at the rate you pick.
How we work it out: each month's instalment compounds at one-twelfth of the yearly rate until the end of the period. ₹10,000 a month for 10 years at an assumed 12% (for illustration) comes to about ₹23.2 lakh, of which ₹12 lakh is your own money.
02 · Step-up SIP
Your salary goes up most years. A step-up SIP raises the monthly amount by a fixed percentage every 12 months, so your investing keeps pace with your income instead of staying stuck at the first figure.
Worth knowing: compare the last line with the main result. A 10% yearly step-up usually adds more to the final value than two extra years of a flat SIP.
03 · Lumpsum
For a bonus, a maturity amount or money sitting idle in a savings account. You invest once and leave it. Many people park a lumpsum in a liquid or hybrid fund and move it into equity over 6 to 12 months instead of all on one day.
Formula: amount × (1 + yearly rate) raised to the number of years. Simple, but the rate you assume matters more here than anywhere else.
04 · Goal planner
Enter what the goal costs at today's prices. We grow that cost by inflation to the year you need the money, then work backwards to the monthly SIP that gets you there. Good for a car, a home down payment or a big trip.
Tip: for goals less than 3 years away, equity funds are usually too jumpy. Ask us about debt or hybrid categories for short timelines.
05 · Retirement
Start from what your household spends in a month today. We project that to your retirement age, work out the corpus that can pay those expenses (still rising with inflation) for the years you expect to live after retiring, and show the SIP needed to build it.
Assumptions you can change: return after retiring is kept lower because most of the corpus moves to safer categories by then. Leave out rent if you will own your home, and add medical costs if you expect them to rise faster.
06 · Child education
A professional degree that costs ₹25 lakh today could cost three to four times as much in 15 years, because education costs rise faster than general prices. Set today's fee and the years until admission to see the monthly SIP.
Planning note: start moving the money into debt funds about 3 years before admission, so a market fall in the final year does not cut the fee fund.
07 · Child marriage
Wedding costs are lumpy and come with a fixed date. Plan it as its own goal, separate from education, so one does not quietly eat into the other.
Planning note: if part of the budget is gold jewellery, keep that portion in mind separately. Gold prices move on their own cycle.
More calculators
FD, PPF and NPS maturity, retirement income, life cover and the cost of waiting. Each opens on its own page with a worked example and a year-by-year table.
Maturity value and interest for a fixed deposit, with quarterly or monthly compounding and the after-tax picture.
OpenHow long a corpus lasts when you take a fixed monthly amount, with a year-by-year balance.
Open15-year maturity value for yearly PPF deposits, plus extensions in 5-year blocks.
OpenCorpus at 60, the lump sum, the annuity share and an estimated monthly pension.
OpenHow much term cover your family needs, from income, expenses, dues and goals.
OpenWhat today's bill, fee or hospital cost will be in 10, 20 or 30 years.
OpenWhat waiting 1, 5 or 10 years to start a SIP costs, and the catch-up amount.
OpenThe yearly growth rate between two values, or a sum projected forward.
OpenEvery rate in these tools is an assumed rate for illustration, not a promise. Mutual fund investments are subject to market risks, read all scheme related documents carefully.
Pick by the question you are asking, not by the product.
| Your question | Use |
|---|---|
| I can spare ₹5,000 a month. What could it become? | SIP |
| My income rises every year. Should my SIP? | Step-up SIP |
| I got a ₹2 lakh bonus. Where could it be in 7 years? | Lumpsum |
| I need ₹8 lakh for a car in 5 years. | Goal planner |
| How much do I need to stop working at 58? | Retirement |
| My daughter is 3. What about her college? | Child education |
Questions
A calculator gives a direction, not a promise. Here is what it does and does not tell you.
No. 12% is an assumed rate for illustration only. Equity funds have had good years and bad years, and some 5-year periods have returned much less. Try 8% or 10% to see a cautious picture.
Compounding works on the growth as well as your money. The last few years of a long SIP often add more than the first ten. Starting early matters more than starting big.
For household expenses 6% is a common working figure. Education and medical costs have risen faster, so 8% to 10% is safer for those goals.
No. Gains on mutual funds are taxed when you redeem, and the rate depends on the category and how long you held. We cover this in your plan.
Your numbers reach us as a message. We reply with fund categories that suit the timeline and ask a few questions about your risk comfort. There is no charge for this first conversation.
Send us your result and we will suggest how to split it across fund categories, with a review every year.
Results are estimates using an assumed rate for illustration. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in future.