💡 Hover chart bars for details

₹5,000Monthly SIP

₹167Daily Equivalent

₹60,000Yearly Investment

3.48×Wealth Multiplier

Apne Parameters Set Karo

📅 Monthly SIP Amount ₹5,000

₹500/mo₹1L/mo

⏳ Time Period 10 yr

1 year40 years

📈 Expected CAGR 12%

4% (FD)30% (Equity)

🌡️ Inflation Adjustment

Real value of corpus after inflation

Inflation: 6%

💰 Total Invested

₹6.00L

120 months

📈 Returns Earned

₹5.08L

Gain: 84.8%

🏆 Final Corpus

₹11.08L

1.85× aapka paisa

Growth Chart

Amount Invested

Returns Earned

Year-by-Year Breakdown

Year	Invested	Returns	Total Corpus	Progress

Apna Financial Goal Set Karo

🎯 Target Amount (₹)

⏳ Time Available (Years)

📈 Expected Return (%)

Required Monthly SIP

₹21,847

To reach ₹50L in 10 years at 12% p.a.

Your Goal Journey

Invested

Returns

Step-Up SIP Parameters

📅 Starting Monthly SIP₹5,000

₹500₹50,000

⏳ Time Period10 yr

1 yr40 yr

📈 Expected Return12%

4%30%

🔺 Annual SIP Increment10%

5%50%

Normal SIP vs Step-Up SIP

Normal SIP Corpus

₹11.08L

₹6L invested

Step-Up SIP Corpus

₹16.41L

₹9.56L invested

Extra Wealth with Step-Up

+₹5.33L

Normal SIP

Step-Up SIP

ELSS Tax Saving Calculator (Section 80C)

📅 Monthly ELSS SIP₹12,500

₹500₹12,500 (max 80C)

⏳ Investment Period10 yr

3 yr (lock-in)30 yr

📈 Expected Return14%

8%25%

🧾 Your Income Tax Slab30%

10%30%

Tax Saved Per Year by Income Slab

10% Tax Slab

₹15,000

Annual Tax Saved

20% Tax Slab

₹30,000

Annual Tax Saved

30% Tax Slab

₹45,000

Annual Tax Saved

Annual Investment (80C Limit)₹1,50,000

Total Invested over Period₹15,00,000

Final Corpus₹37.40L

Total Tax Saved (your slab)₹4,50,000

Effective Cost (after tax benefit)₹10,50,000

Lock-in Period3 years per instalment

₹1,00,000Amount Invested

₹3.21LFinal Value

₹2.21LTotal Returns

3.21×Multiplier

Set Your Lumpsum Parameters

💵 Investment Amount ₹1,00,000

₹10K₹1 Cr

⏳ Time Period 10 yr

1 year40 years

📈 Expected Return (CAGR) 12%

4% (FD)30% (Equity)

🌡️ Inflation Adjustment

Real purchasing power of your corpus

Inflation: 6%

💵 Amount Invested

₹1.00L

One-time investment

📈 Total Returns

₹2.21L

Gain: 221.1%

🏆 Final Corpus

₹3.21L

3.21× your money

Lumpsum vs SIP — Same Amount Comparison

💡 If you invest the same total amount as monthly SIP instead of lumpsum, which gives more?

💵 Lumpsum

₹3.21L

Invested at start

📅 Equivalent SIP

₹2.34L

₹833/mo for 10 yrs

Verdict

Lumpsum wins by ₹87,000

Growth Chart

Amount Invested

Returns

Year-by-Year Growth

Year	Invested	Value	Returns	Progress

💡

What is SWP?

Systematic Withdrawal Plan — invest a lumpsum, then withdraw a fixed amount every month. Perfect for retirement income. Your remaining corpus keeps growing!

₹10,000Monthly Withdrawal

8.3 yrCorpus Lasts

₹10.00LTotal Withdrawn

₹0Remaining Corpus

Set Your SWP Parameters

💰 Total Investment (Corpus) ₹10,00,000

₹1L₹5 Cr

🏧 Monthly Withdrawal ₹10,000

₹1,000₹5L/mo

📈 Expected Return (CAGR) 8%

1%20%

⏳ Withdrawal Period 10 yr

1 yr40 yr

💰 Total Invested

₹10.00L

One-time lumpsum corpus

🏧 Total Withdrawn

₹12.00L

120 monthly payments

🏦 Remaining Corpus

₹5.42L

After 10 years

✅

Corpus is sustainable!

Your corpus will last the full withdrawal period and still have remaining balance.

SWP vs Fixed Deposit — Monthly Income Comparison

💡 Same ₹10,00,000 corpus — which gives better monthly income?

🏧 Your SWP

₹10,000

per month withdrawal

🏦 FD at 7% p.a.

₹5,833

per month interest

SWP Advantage

₹4,167 more per month vs FD

Corpus Depletion Chart

Remaining Corpus

Total Withdrawn

Year-by-Year Breakdown

Year	Opening Balance	Returns Earned	Amount Withdrawn	Closing Balance

Smart SIP Calculator

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