Interactive tool

Investment Calculator

SIP future value, lumpsum growth and CAGR, inflation-adjusted returns, SWP drawdown, and the real cost of a regular vs direct mutual fund plan — all with the actual formulas behind them, not a black box.

[ SIP ][ LUMPSUM & CAGR ][ INFLATION ][ SWP / DRAWDOWN ][ DIRECT VS REGULAR ]

MONTHLY SIP

₹/mo

INITIAL LUMPSUM (OPTIONAL)

₹

EXPECTED ANNUAL RETURN12%

TENURE20 yrs

ANNUAL STEP-UP0%

SHOW INFLATION-ADJUSTED (REAL) VALUE

TOTAL INVESTED₹48,00,000

MATURITY VALUE₹1,99,82,958

WEALTH GAINED₹1,51,82,958

TRUE XIRR (MONEY-WEIGHTED)12.67%

Every rupee you put in over 20 years turns into 4.2x — 76% of the ₹1,99,82,958 you end up with is growth you never actually saved for, it's what the market paid you for waiting. And notice the 12% you set isn't what you actually earned — because it compounds monthly, your true money-weighted return (XIRR) works out to 12.67%. That gap between assumed and actual is exactly why XIRR exists.

Invested

Portfolio value