Time does the heavy lifting
If the years are too short, even a high return assumption cannot create the same compounding effect as patience can.
SIP Calculator
See what disciplined monthly investing and time can really build.
A SIP is one of the cleanest tools for long-term wealth building because it combines time, consistency, and compounding. The important part is not only the future value, but how much of that result came from your capital, your patience, and your step-up discipline.
SIP tool
Test your investing habit, not just the return assumption.
This estimate assumes each SIP installment is added at month-end and that the step-up applies once every 12 months. It is meant to help you think more clearly, not promise an outcome.
How much you plan to invest every month.
Use a realistic long-term estimate, not the best year you remember.
Compounding becomes meaningfully stronger only when the horizon is long enough.
Use this when you expect your monthly investment to rise as income grows.
Used to estimate what the future value may still mean in today's money.
Total investedRs 0
Future valueRs 0
Wealth gainRs 0
Value in today's moneyRs 0
Enter your SIP numbers to see how capital, compounding, and inflation interact.
This is a projection tool. Real market returns will not arrive smoothly every month, and your actual journey will include volatility.
How to use the SIP output well
The most common mistake is to focus only on return and ignore time, contribution size, and behavior. In real life those three often matter more.
Step-up matters
Raising SIPs with income growth is often one of the cleanest ways to accelerate wealth without relying only on market performance.
Compare with freedom goals
Once the SIP path is visible, compare it with your freedom number so you can judge whether your monthly investing pace is actually enough.