Systematic Investment Plan SIP Calculator

Plan your regular monthly investments, leverage the compounding power of annual step-ups, and visualize your future wealth growth in real-time.

SIP Parameters

₹
₹500 ₹10,00,000
%
1% 30%
Year
1 Year 40 Years
Annual Step-Up SIP Increase your investment yearly to outpace inflation and build wealth faster.
%
0% 50%

SWP Parameters

₹
₹10K ₹2 Cr
₹
₹500 ₹2L
%
1% 30%
%
0% (Flat) 15% Inflation

Increases monthly withdrawals by this percentage annually to preserve buying power.

Year
1 Year 40 Years

Lumpsum Parameters

₹
₹1,00,000 ₹1 Cr
%
1% 30%
Year
1 Year 40 Years

Wealth Projection

1.0x Growth
₹0 INVESTED ₹0 WITHDRAWN ₹0 WEALTH

Visual heights reflect active wealth scaling and speed of compound interest.

Wealth Breakdown

Total Invested ₹0
Est. Returns ₹0
Total Wealth ₹0
Growth Multiplier 0.0x

Year-by-Year Growth Table

Year Monthly Investment Investment (Annual) Total Invested Interest Earned Closing Balance

Understanding Wealth Builders

Explore the mathematical mechanics of SIP, SWP, and Lumpsum investments to design your ultimate financial roadmap.

SIP (Systematic Investment Plan)

SIP is a disciplined method of investing fixed sums regularly (monthly) into mutual funds. It promotes financial habit-forming and unlocks the dual engines of financial growth:

Rupee Cost Averaging: Automatically buys more units when prices are low and fewer when high, averaging out volatility without timing the market.
Compounding Engine: Reinvesting returns builds a snowball effect, accelerating wealth over long horizons.
Annual Step-Up: Increasing your monthly contribution by even 5-10% annually (Step-Up) can multiply your final corpus dramatically.

SWP (Systematic Withdrawal Plan)

SWP is the inverse of SIP. It allows you to invest a lumpsum amount and withdraw a fixed amount regularly (monthly) while the remaining balance continues compounding:

Passive Cash Flow: Ideal for retirement or regular income needs, providing stable cash flows without depleting your capital all at once.
Tax Efficiency: Only the capital gains portion of withdrawals is subject to tax, making it superior to standard fixed deposits.
Inflation Shield: Factoring in annual inflation adjustments protects your future purchasing power from erosion.

Lumpsum Investment

Lumpsum is a one-time investment made into equity or debt instruments. It maximizes compounding exposure over long periods:

Compounding Exposure: Your entire capital begins compounding from Day 1, maximizing growth multipliers over long horizons.
Opportunistic Allocation: Perfect for deploying windfalls, bonuses, or cash reserves during market corrections.
Patience Key: Long-term lumpsum investments are highly resilient to short-term volatility, yielding strong CAGR results.