SIP, Retirement, Inflation & SWP Calculators for Indian Investors
A monthly SIP of ₹10,000 for 20 years at an assumed 12% annual return grows to approximately ₹99.9 lakh — only ₹24 lakh of that is your own money; the rest comes from compounding. That single number is why millions of Indian investors run the math before they invest a single rupee.
Fundscalculators.co gives you free, instant calculators built specifically for Indian investors — in rupees, lakhs, and crores, with no spreadsheets, no sign-up, and no email wall. Work out your SIP, Step-Up SIP, retirement corpus, inflation impact, or SWP withdrawal plan in under 30 seconds.
Smart Goal Calculator
Plan your financial goals by calculating the SIP or lumpsum amount needed, considering your current investments.
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Inflation Calculator
Calculate the impact of inflation on your current expenses and future goals.
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Cost of Delay Calculator
Are you planning to delay investing? Check the impact of delay on your wealth creation.
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Retirement Planning Calculator
Estimate your Retirement Corpus based on your expenses & the monthly investment required to achieve it.
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Step-Up SIP Calculator
Calculate the future value of your SIP investments when you increase your SIP by some certain percentage on a regular basis.
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Systematic Withdrawal Plan (SWP) Calculator
Calculate the final value of an investment after withdrawing a fixed amount regularly while considering the interest earned from the investment.
Calculate NowHow These Calculators Work (and Why You Can Trust the Numbers)
Every calculator on Fundscalculators.co runs on the same compound-interest formula used by financial planners and AMFI-registered mutual fund distributors:
FV = P \times \frac{(1 + r)^n - 1}{r} \times (1 + r)Where FV is the future value of your investment, P is your monthly investment amount, r is the monthly rate of return, and n is the number of months invested.
Nothing here is guessed — every result on Fundscalculators.co is computed live from this formula based on the values you enter. Return assumptions are illustrative averages, not guarantees; actual mutual fund and market returns fluctuate and are never assured by Fundscalculators.co or any third party.
SIP Calculator: Plan Your Monthly Mutual Fund Investment
A Systematic Investment Plan (SIP) lets you invest a fixed amount every month into a mutual fund instead of putting in a lump sum. The SIP Calculator on Fundscalculators.co shows exactly how a monthly SIP grows over 5, 10, 15, or 20 years.
Example: Investing ₹5,000/month for 15 years at an assumed 12% return builds a corpus of roughly ₹25.2 lakh — your own contribution is just ₹9 lakh.
Step-Up SIP Calculator: Increase Your SIP Every Year
A Step-Up (or “top-up”) SIP automatically raises your monthly investment by a fixed percentage each year — typically matched to your expected salary hike. The Step-Up SIP Calculator shows how a small annual increase compounds into a meaningfully larger corpus than a flat SIP.
Example: A ₹5,000/month SIP stepped up 10% every year for 15 years (at 12% return) can grow to approximately ₹34.8 lakh — nearly ₹9.6 lakh more than a flat SIP starting at the same amount.
Retirement Calculator: Know Your Real Retirement Number
Most people underestimate their retirement needs because they forget to adjust for inflation. The Retirement Calculator works out the corpus you’ll need based on current monthly expenses, expected inflation, years left to retirement, and post-retirement life expectancy.
Example: If you spend ₹40,000/month today and retire in 25 years, at 6% inflation you’d need roughly ₹1.72 lakh/month at retirement just to maintain the same lifestyle — which typically translates into a corpus of ₹3.5–4 crore, depending on assumed post-retirement returns.
Inflation Calculator: See What Your Money Will Really Be Worth
Inflation quietly erodes purchasing power every year, even when prices feel like they’re rising “slowly.” The Inflation Calculator shows what today’s expenses will cost in the future, and what your current savings will actually be worth in real terms.
Example: At 6% average inflation, something that costs ₹1,00,000 today will cost approximately ₹2,40,000 in 15 years — more than double.
SWP Calculator: Turn Your Investments into Monthly Income
A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount every month from a mutual fund investment while the remaining corpus stays invested and keeps growing. It’s the most common way Indian retirees turn a lump-sum corpus into a monthly “salary.” Use the SWP Calculator to check how long your money will last.
Example: A ₹50 lakh corpus, withdrawing ₹35,000/month, with the remaining balance earning 8% annually, can comfortably sustain withdrawals for 25+ years.
Cost of Delay Calculator: What Waiting Actually Costs You
Every year you postpone starting a SIP, the monthly amount needed to hit the same goal climbs — sometimes sharply. The Cost of Delay Calculator quantifies exactly what a 1-, 3-, or 5-year delay costs you in real rupees.
Example: Delaying a ₹10,000/month SIP by 5 years inside a 25-year plan can cost you over ₹70 lakh in lost final corpus, even though total contributions drop by only ₹6 lakh.
Which Calculator Should You Use?
| Your Goal | Use This Calculator |
|---|---|
| Build wealth through monthly investing | SIP Calculator |
| Grow your SIP faster as your income rises | Step-Up SIP Calculator |
| Find your retirement corpus target | Retirement Calculator |
| See inflation’s real impact on savings | Inflation Calculator |
| Generate monthly income from a lump sum | SWP Calculator |
| See what delaying investment costs you | Cost of Delay Calculator |
How to Use Any Calculator on Fundscalculators.co
- Pick a calculator that matches your goal — investing, retiring, or withdrawing.
- Enter your numbers — monthly amount, expected return, and time period in years.
- Read the instant result — total invested, estimated returns, and final corpus, shown as a table and chart.
No registration, no app download, no email required. Every calculator on Fundscalculators.co works on mobile, tablet, and desktop.
Methodology, Data & Disclaimer
All projections on Fundscalculators.co use standard compound-interest and time-value-of-money formulas. Default return assumptions (typically 10–12% for equity mutual funds and 6–7% for debt instruments) are illustrative long-term averages and not guaranteed returns — actual performance depends on market conditions and the specific scheme chosen. Where relevant, calculators reference current government-notified rates, such as the current PPF interest rate of 7.1% per annum, as notified by the Government of India.
Fundscalculators.co is a calculation tool, not a SEBI-registered investment advisor. Nothing on this page is investment advice. Please consult a SEBI-registered financial advisor before making investment decisions. Rates and examples are reviewed periodically and updated to reflect the latest government-notified figures.
Frequently Asked Questions
To reach ₹1 crore in 15 years at an assumed 12% annual return, you’d need to invest roughly ₹24,000/month. Over 20 years, the required SIP drops to about ₹10,000/month, because more time gives compounding more room to work. Use the SIP Calculator on Fundscalculators.co to check the exact figure for your own timeline and return assumption.
Neither is universally better. SIP suits investors with a regular monthly income who want to average out market volatility through rupee-cost averaging, while a lumpsum can outperform if invested right before a sustained market rise. For most salaried Indian investors without a large lumpsum amount, SIP is the more practical and disciplined approach.
Equity mutual fund SIPs in India have historically delivered average long-term returns in the 10–12% per annum range over 10+ year periods, though this varies by fund category and market cycle. Debt-oriented funds typically return 6–8%. These are illustrative averages, not guarantees, and past performance does not predict future returns.
A Step-Up SIP automatically increases your monthly investment by a fixed percentage — commonly 10% — every year, while a regular SIP keeps the monthly amount constant throughout the tenure. Since income typically rises over time, a Step-Up SIP usually builds a noticeably larger corpus than a flat SIP for the same starting amount.
Your required corpus depends on current monthly expenses, years left to retirement, expected inflation, and life expectancy after retirement. As a rough rule of thumb, many financial planners suggest a corpus of 25–30 times your expected annual expenses at retirement, adjusted for inflation. The Retirement Calculator on Fundscalculators.co gives you a personalized figure based on your own inputs.
A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from a mutual fund investment every month while the remaining balance stays invested and keeps earning returns. It’s commonly used by retirees as a tax-efficient alternative to a pension, since typically only the gains portion of each withdrawal is taxed, not the full amount.
Yes. Gains from equity mutual fund SIP units held over 12 months are taxed as long-term capital gains, while units held under 12 months are taxed as short-term capital gains, under current income tax rules. Each SIP installment is treated as a separate investment for tax purposes, so different installments can carry different holding periods and tax treatment.
Yes. Inflation reduces the purchasing power of money over time even if the rupee amount in your account is growing. A SIP growing at 12% annually while inflation runs at 6% is effectively building real wealth at only about 6% per year. This is why long-term goals should always be planned in inflation-adjusted terms, not nominal rupee terms.
Start Planning With Real Numbers, Not Guesswork
Whether you’re investing ₹500 or ₹50,000 a month, the gap between guessing and calculating is often lakhs of rupees over a decade. Pick a calculator above on Fundscalculators.co, enter your numbers, and see exactly where you’ll stand — in seconds, for free.
