SIP & Goal Wealth Planner

Smart Compounding & Financial Freedom Calculator

📈 SIP Growth & Step-Up 🎯 Target Goal Planner 🌴 Retirement Freedom 🐷 Lumpsum Growth

Investment Parameters

₹25,000
₹
12%
%
15 Years
Yrs
0%
% / Yr

💡 Select "Step-Up SIP" above to auto-increase your monthly contribution annually.

Wealth Projection

Total Expected Corpus
₹1.26 Cr
₹1,26,14,400
In today's purchasing value (6% inflation): ₹52.6 Lakhs
Total Invested ₹45.0 Lakhs ₹45,00,000
Est. Wealth Gain +₹81.1 Lakhs +₹81,14,400
Wealth Multiple 2.80x 2.8x of Outlay
Invested Outlay
Compound Growth

Define Your Financial Goal

₹1.00 Cr
₹
15 Years
Yrs
12%
%

Required Monthly SIP

Required Monthly Investment
₹19,819 / mo
To reach your ₹1.00 Cr goal in 15 years
Total Out of Pocket ₹35.7 Lakhs ₹35,67,352
Compounded Growth +₹64.3 Lakhs +₹64,32,648
Wealth Multiple 2.80x 2.8x Multiple

Retirement Parameters

30 Yrs
Yrs
55 Yrs
Yrs
₹50,000
₹
6%
%
12%
%
8%
%

💡 Net real return post-retirement: ~2% above inflation (8% return - 6% inflation).

Retirement Nest-Egg Needed

Target Retirement Corpus
₹5.77 Cr
₹5,76,73,615
Inflation-adjusted monthly expense at age 55: ₹2.15 Lakhs
Required Monthly SIP ₹30,392 / mo 25 Yrs to Accumulate
Total Out of Pocket ₹91.2 Lakhs ₹91,17,600
Wealth Multiple 6.33x 6.3x of Savings

One-Time Investment Parameters

₹5.00 Lakhs
₹
12%
%
15 Years
Yrs

Future Lumpsum Value

Estimated Future Value
₹27.37 Lakhs
₹27,36,783
Capital Gain: +₹22.37 Lakhs
Principal Invested ₹5.00 Lakhs ₹5,00,000
Capital Gain +₹22.37 Lakhs +₹22,36,783
Wealth Multiple 5.47x 5.5x Multiple

Year-by-Year Wealth Progression & Multiples

Year Monthly SIP Total Invested Est. Interest Gain Closing Balance Wealth Multiple