Plan SIP investments, set financial goals, compare strategies, and model systematic withdrawals — all with real-time charts and PDF reports.
Quick Goal Presets
Step-Up SIP
Increase investment annually
Inflation Adjustment
Show inflation-adjusted real value
LTCG Tax (India)
12.5% on profit above ₹1,25,000
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Total Future Value
Total Invested
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Estimated Profit
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Expected corpus at 12% p.a. return for popular monthly SIP amounts
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The SIP full form is Systematic Investment Plan. It is a structured method of investing in mutual funds where you contribute a fixed amount at regular intervals, such as monthly, rather than investing a large sum all at once. This approach builds long-term wealth safely through the power of compounding and rupee-cost averaging, making it the perfect strategy for salaried individuals.
When comparing daily SIP vs monthly SIP, the monthly option is generally better and much cleaner for retail investors. While a daily SIP captures daily market volatility, it clutters your bank statements with hundreds of micro-transactions. A monthly SIP aligns perfectly with standard corporate salary cycles, offering the exact same long-term compounding benefits without the daily administrative headache.
The choice between a weekly SIP vs monthly SIP depends entirely on your cash flow. If you run a local business with weekly revenue, a weekly SIP puts your capital to work efficiently. However, historical market data shows that over a 15-year horizon, the final wealth generated by both weekly and monthly frequencies is nearly identical.
The lumpsum meaning refers to investing a single, large amount of money into a mutual fund all at once, rather than spreading it out over months or years. It is highly effective if you receive a sudden windfall, like a yearly corporate bonus or a property sale payout, and want the entire amount to start generating returns immediately.
Assuming a realistic 12% annual equity return, a ₹5,000 monthly SIP for 20 years means you will invest a total of ₹12,00,000 out of pocket. Through the power of long-term compounding, this investment can grow into a final estimated corpus of roughly ₹49.95 Lakhs. Activating a step-up feature can push this final number significantly higher.