Investment Calculators
Grow your wealth systematically. Calculate SIP returns, compare lumpsum vs SIP, track mutual fund performance, and plan withdrawals.
SIP Calculator
See how monthly SIP grows with compounding. Calculate future value of systematic investments.
Lumpsum Calculator
Calculate one-time investment growth. See your wealth multiplier and year-by-year breakdown.
SIP Step-Up Calculator
Boost returns by increasing SIP annually. Compare regular vs step-up SIP wealth creation.
SWP Calculator
Plan systematic withdrawals from your corpus. Check if your retirement fund is sustainable.
Mutual Fund Returns Calculator
Calculate CAGR and absolute returns for your mutual fund investments. Includes inflation adjustment.
CAGR Calculator
Find compound annual growth rate of any investment. Compare performance across asset classes.
FD Calculator
Calculate fixed deposit maturity amount with quarterly compounding. Compare bank FD rates.
Smart Investment Strategies for Indians
Building wealth in India requires a disciplined approach combining equity and debt instruments. SIP (Systematic Investment Plan) in mutual funds is one of the most effective ways to build long-term wealth through rupee cost averaging and the power of compounding.
The key to successful investing is starting early and staying consistent. A ₹10,000 monthly SIP at 12% returns grows to approximately ₹1 crore in 20 years. Adding a 10% annual step-up to the same SIP accelerates this to over ₹1.8 crore — that’s the power of step-up SIP investing.
Diversify across large-cap, mid-cap, and debt funds based on your risk profile. Use SWP (Systematic Withdrawal Plan) during retirement for tax-efficient regular income instead of withdrawing the entire corpus at once.
Frequently Asked Questions
SIP vs Lumpsum — which is better?
SIP is better for salaried individuals as it averages out market volatility through rupee cost averaging. Lumpsum works well when markets are at low valuations or when you receive a windfall. For most investors, a combination of both works best.
What returns can I expect from mutual funds?
Historically, Indian equity mutual funds have delivered 12-15% CAGR over 10+ year periods. Debt funds typically return 6-8%. Past performance doesn’t guarantee future returns, but long-term equity investing has consistently outperformed other asset classes in India.
How much should I invest monthly?
A good rule of thumb is to invest at least 20-30% of your take-home salary. Start with whatever amount you can and increase it by 10-15% annually with your salary increments using a step-up SIP approach.