Free calculator
SIP & Investment Growth Calculator
See exactly how your money grows — whether you invest a fixed SIP, step it up each year, or put in a lump sum. No jargon, just numbers that matter.
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Toggle to see purchasing power in today’s rupees (6% inflation).
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Your growth journey
Amount invested
Returns earned
Total corpus
5 SIP moves that actually work
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Start small, start now. The best SIP is the one you can keep going — even if it begins at ₹500. Consistency beats amount every time.
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Pick a date that matches your salary rhythm. Set your SIP to debit 3–5 days after your salary arrives, after essentials are covered. Consistency without stress.
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Increase slowly, not dramatically. A 10% annual step-up is the single most powerful thing most investors never do. Your SIP grows with your income — quietly compounding in the background.
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Don’t pause for market noise. SIPs are built for ups and downs. When markets fall, your SIP buys more units at a lower price. Pausing almost always hurts more than it helps.
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Name your investments. “Travel Fund”, “Freedom Fund”, “Flat in Pune” — naming SIPs keeps you emotionally anchored to the goal. You’re far less likely to withdraw from something with a name.
What to invest in — by your goal
High Growth
Equity Funds
Best for long-term goals 7+ years away. High volatility, maximum compounding. Ideal for retirement or a home.
Flexible
Flexi-cap Funds
Invests across large, mid, and small-cap stocks. Fund manager adjusts the mix — you don’t have to.
Low Cost
Index Funds
Tracks Nifty 50 or Sensex. Low expense ratio, no fund manager risk. The smartest starting point for most women.
Balanced
Hybrid Funds
Mix of equity and debt. Less volatile than pure equity — good for 3–5 year goals or first-time investors.
Stable
Debt Funds
Safe, stable returns better than FDs (after tax). Best for goals 1–3 years away. Low risk, low drama.
Liquid
Liquid Funds
Where your emergency fund should live. Better returns than a savings account, accessible within 1 business day.
For educational purposes only. Returns are illustrative. Actual returns may vary. Past performance does not guarantee future results. Please consult a qualified financial advisor before investing.