Project your mutual fund corpus across regular SIP, step-up SIP, and lump sum modes. See total invested, estimated returns, wealth multiplier, and a year-by-year growth chart with optional inflation adjustment.
Long-term equity: 10–14%. Debt: 6–8%. Hybrid: 8–11%.
India long-term inflation has averaged 5–7%.
| Year | Annual invested | Cumulative invested | Corpus end of year | Wealth multiplier |
|---|
Equity vs debt
Equity: 10–14% long-term CAGR, volatile short term.
Hybrid: 8–11%, moderate volatility.
Debt / FD: 6–8%, low volatility.
Step-up vs flat SIP
A 10% annual step-up on a 20-year SIP can roughly double your final corpus compared to a flat SIP — at the cost of investing ~3× the amount. Match it to your expected salary growth.
Lump sum vs SIP
Lump sum mathematically wins in rising markets. SIP wins in volatile markets via rupee-cost averaging. For monthly-salary investors, SIP is the practical default.
SIP future value uses the formula: FV = P × [((1+r)n − 1) / r] × (1+r), where P is the monthly investment, r is the monthly return rate (annual rate ÷ 12 ÷ 100), and n is the total number of months. This assumes contributions are made at the start of each month and returns compound monthly.
A step-up SIP (also called a top-up SIP) is one where your monthly investment increases by a fixed percentage every year — usually 5% to 15%. It matches your investing pace to your income growth and significantly boosts the final corpus. A 10% annual step-up on a 20-year SIP can roughly double the final corpus compared to a flat SIP.
Equity mutual funds in India have historically returned 10–14% CAGR over long periods (15+ years). Debt funds and FDs return 6–8%. Hybrid funds sit in the middle at 8–11%. Use 12% as a reasonable equity benchmark for long-term planning, but remember actual returns vary and short-term swings are normal.
Yes, especially for long-horizon planning. India's long-term inflation averages 5–7%. A nominal ₹1 crore in 20 years at 6% inflation is worth only about ₹31 lakh in today's purchasing power. The inflation-adjusted "real value" on this calculator shows what your corpus can actually buy in present-day terms.
Mathematically, if you have a large amount available and the market trends upward, lump sum usually wins because it gets fully invested immediately. SIP wins when markets are volatile or declining because you rupee-cost-average — buying more units when prices are low. For most retail investors with monthly income, SIP is the practical choice.
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