Find out how much your one-time investment will grow over time through the power of compounding.
₹500
₹1 Cr+
1%
30%
0
40+
Total Invested
₹1 Lac
Estimated Returns
₹8.65 Lac
Total Corpus
₹9.65 Lac
Understand the math behind the magic, avoid the emotional pitfalls most retail investors fall into, and learn exactly how small, disciplined investments create generational wealth.
It's not magic, it's mathematics. A SIP calculator uses the 'Future Value of an Annuity Due' formula, meaning investments are made at the start of each month and compounded relentlessly.
Formula
Live Example
₹10,000/month · 10 years · 12% annual returns
That is ₹11.23 Lakhs of pure wealth generated on your original ₹12 L investment.
A proven, fluff-free framework that takes you from zero to a fully automated investment portfolio in a single afternoon.
Are you investing for a house downpayment in 5 years, or retirement in 20? Your timeline determines how much risk you can safely take.
Match the fund to your goal. Need the money in 3 years? Stick to safer debt funds. Building a 15-year retirement corpus? Look at aggressive equity funds like mid-caps or index funds.
Use our SIP calculator to figure out what monthly amount gets you to your goal. Start with what you can realistically afford today.
Set up an e-NACH mandate so the money leaves your bank account the day after payday. If you never see the money in your checking account, you won't spend it.
Review your portfolio once a year, not every day. Step up your contribution by 10% when you get your annual appraisal, and then close the app and let it grow.
Assuming a realistic 12% average annual return. Notice how the growth explodes between year 15 and 30—that is compounding at work.
| Monthly SIP | 10 Years | 15 Years | 20 Years | 30 Years |
|---|---|---|---|---|
| ₹5,000 | ₹11.6 L | ₹25.2 L | ₹49.9 L | ₹1.76 Cr |
| ₹10,000 | ₹23.2 L | ₹50.4 L | ₹99.9 L | ₹3.52 Cr |
| ₹20,000 | ₹46.4 L | ₹1.01 Cr | ₹2.00 Cr | ₹7.05 Cr |
| ₹50,000 | ₹1.16 Cr | ₹2.52 Cr | ₹4.99 Cr | ₹17.6 Cr |
* Mathematical projections only. Real markets don't move in straight lines, so brace for volatility along the way!
The money is invested before you get a chance to spend it on food delivery or online shopping. Invisible savings work best.
Your money makes money, and then that money makes more money. Over 15+ years, your returns will drastically dwarf your actual contributions.
Start with as little as ₹500/month. You don't need to inherit money to build a massive corpus; you just need consistency.
Compared to the heavy 30% slab rate on standard FDs, equity LTCG taxes are incredibly forgiving for long-term investors.
Pause it when times are tough. Step it up when you get promoted. Equity funds (non-ELSS) offer fantastic liquidity.
Panic-stopping your SIP when the market bleeds is like refusing to buy groceries when they go on a 30% sale. Crashes are when SIPs do their best work.
Your salary grows, your expenses grow, but your SIP stays at ₹5,000 for 10 years. Always increase your SIP by at least 10% annually to fight inflation.
Jumping from fund to fund based on 1-year returns destroys compounding. Pick a solid strategy, trust the manager, and stay put.
Having 12 different SIPs doesn't mean you are diversified; it just means you are paying managing fees to own the exact same underlying stocks 12 times.
Straightforward answers to the questions every first-time investor asks before pulling the trigger.