Investment Planner & Wealth Calculator

Plan your investments with our advanced SIP Calculator.

Add Initial Lumpsum Add a one-time initial amount deployed on Day 1 alongside recurring SIP deposits.
Enable Annual Step-up Automatically increase your monthly SIP contribution every year as your income grows.
Estimate MF Capital Gains Tax (LTCG) Estimates your 12.5% Long Term Capital Gains tax liability on equity returns exceeding the ₹1.25 Lakh annual exemption limit.
Plan Retirement (SIP to SWP Pension Bridge) Transition your accumulated SIP wealth smoothly into a monthly pension (SWP) to fund your retirement years securely.
Adjust for Inflation Adjust the final value based on expected average inflation to see true purchasing power in today's money.

SIP Summary Projected summary of capital invested, returns, and terminal compounding value.

Invested ₹0
Returns ₹0
Total Value ₹0
Nifty 50 Index: 12% - 14% p.a.
Fixed Deposit (FD): 6% - 7.5% p.a.
Recurring Deposit (RD): 5.5% - 7.2% p.a.
Inflation Index (CPI): 4.5% - 6% p.a.
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SEBI Compliance Advisory & Legal Disclaimer

Investments are subject to market risks; read scheme documents carefully. Calculations are educational estimates and do not constitute SEBI-registered investment, tax, or legal advice. Educational compounding models operate in accordance with general financial industry standards and SEBI (Investment Advisers) Regulations, 2013 guidelines. Estimated returns and historical benchmark figures are strictly illustrative and do not represent guaranteed future yield assurances. Capital investments in equities, debt securities, and fixed deposits are subject to economic and interest-rate cycles. Consult registered investment advisers before committing capital.

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Ultimate Investment Planner India: Unified Compounding Suite

The Investment Planner is an all-in-one financial modeling engine designed to help Indian retail investors map, forecast, and stress-test wealth creation goals. It integrates 6 core planning engines: Systematic Investment Plans (SIP), One-Time Lumpsum Compounding, Systematic Withdrawal Plans (SWP), Recurring Deposits (RD), Fixed Deposits (FD), and an intuitive Financial Goal Planner.

Equipped with support for annual step-up scaling, post-tax deductions (Section 112A LTCG and slab-wise bank interest), and real purchasing power inflation discounting, this platform gives you full control over your financial independence roadmap.

How to Use the Investment Planner: 4-Step Setup

1

Select Strategy Mode

Choose from SIP, Lumpsum, SWP, RD, FD, or Goal Planner using the top horizontal switcher.

2

Input Capital & Period

Set your monthly contributions or one-time deposits, investment tenure, and anticipated returns.

3

Enable Step-Ups & Taxes

Toggle annual step-up scaling, estimate 12.5% LTCG or FD tax slabs, and enable the pension bridge.

4

Review Visuals & Ledger

Inspect doughnut breakdowns, evaluate real purchasing power, and export the yearly ledger to CSV.

Compounding Mathematics & Core Valuation Formulas

Financial independence modeling combines several core time-value-of-money equations:

SIP Annuity Formula FV = P × [((1 + i)n - 1) / i] × (1 + i)
Lumpsum Compounding A = P × (1 + r)t

For bank Fixed Deposits (FD), returns compound quarterly using $A = P \times (1 + r/4)^{4t}$, while real purchasing power adjustments discount future nominal values by $(1 + \text{inf})^t$.

Real-World Examples & Strategy Case Studies

1. Retiring with ₹4.48 Crore via 10% Step-Up SIP Step-Up Power

A 25-year-old begins a ₹10,000/month equity SIP at 12% CAGR. A flat SIP yields ₹1.89 Crore in 25 years. However, with a 10% Annual Step-Up, the terminal corpus surges to ₹4.48 Crore (with a real inflation-adjusted purchasing power of ₹1.32 Crore).

2. Funding Child's Higher Education (Goal Planner) Goal Reverse Seek

Targeting a ₹50 Lakh education corpus in 10 years at 11% expected CAGR requires a monthly investment of ₹23,086. Factoring in 5% annual education inflation inflates the target to ₹81.4 Lakh, requiring ₹37,597/month.

3. Safe Systematic Withdrawal Plan (SWP) in Retirement Pension Drawdown

A retiree deploys ₹50 Lakh into an 8% yield conservative debt portfolio, drawing ₹30,000/month. The 7.2% withdrawal rate exceeds the 4% SWR baseline, sustaining income while gradually reducing the remaining corpus over 20+ years.

Frequently Asked Questions (FAQ)

1. Why is adjusting for inflation critical in financial planning?

Inflation steadily reduces the purchasing power of your currency. A target goal of ₹50 Lacs today will only buy ₹30 Lacs worth of goods in 10 years at a 5% average annual inflation rate. Planning with inflation ensures your future payouts actually match your target lifestyle costs.

2. How is Mutual Fund LTCG tax calculated in the planner?

Under Section 112A capital gains tax rules in India, long-term capital gains (LTCG) on equity-oriented mutual funds held for over 12 months are exempt up to ₹1.25 Lakh per financial year. Any returns exceeding this threshold are taxed at a flat rate of 12.5%.

3. What is the SEBI compliance advisory for return assumptions?

SEBI regulations require investment models to avoid promising guaranteed or unrealistic high-yield projections. Equity assets carry market volatility, which is why return assumptions above 15% trigger real-time warning indicators in this planner to keep your plans realistic.

4. How does the Annual Step-Up feature accelerate wealth accumulation?

The Step-Up feature increases your regular monthly SIP contributions in tandem with annual salary increments. Increasing your contributions by 10% each year can more than double your terminal accumulated wealth over 20+ years compared to a flat SIP.

5. How does the SIP to SWP Pension Bridge function?

The SIP-to-SWP bridge models your complete lifecycle from accumulation to retirement. It calculates your accumulated terminal corpus and models an automatic transition into conservative monthly withdrawals (SWP) for your retirement years.

6. How are Fixed Deposit (FD) and Recurring Deposit (RD) taxes calculated?

Unlike equity mutual funds, interest earned on FDs and RDs is fully taxable under 'Income from Other Sources'. The planner allows you to select your tax slab under either the Old or New Tax Regime (5% to 30%) to estimate exact net post-tax maturity returns.