Tool 01 · Growth

SIP & Lump-Sum Calculator

The most important chart in personal finance is the one where your contributions become the minority of your own corpus. Find the year it happens for you.

Your inputs
Raise your SIP each year as your income grows — it's the easiest way to invest dramatically more without feeling it.
12% ≈ long-run Indian equity; 7% ≈ debt funds; 6.5% ≈ FDs.
Final corpus
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You put in
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Compounding added
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Your money vs. the market's work
Contributions (50%) Growth (50%)

Year by year

Watch the curve bend
Growth schedule Contributions at the start of each month
YearTotal investedValueGrowth share
Why the last years matter most: compounding is back-loaded. In a typical 25-year SIP, more than half the final corpus arrives in the last 8 years. This is why "I'll start next year" is the most expensive sentence in investing — you're not skipping year 1, you're skipping year 25.
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