India's only free simulator that models your entire portfolio — equity SIP, EPF & FD — against an inflation-adjusted goal. Real numbers, not guesses.
Results update as you type
Free, India-specific financial calculators for every goal
SIP Calculator
Monthly SIP return calculator with year-by-year growth
Step-Up SIP Calculator
See how annual SIP increases multiply wealth
SIP vs Fixed Deposit
Returns, tax, and risk comparison
SIP vs PPF
Equity SIP vs Public Provident Fund deep-dive
Retirement Calculator
Inflation-adjusted retirement corpus planner
FIRE Number Calculator
Find your financial independence corpus
Inflation Calculator
Real purchasing power erosion over time
₹1 Crore Calculator
How long and how much SIP to reach ₹1 crore
Common questions about SIP, EPF, FD and investment planning in India
At 12% annual return: ₹5,000/month for 25 years, ₹10,000/month for 20 years, or ₹22,000/month for 15 years. With a 15% annual step-up, you reach the same target with ~40% less starting SIP. Use the simulator above to find the exact amount for your goal.
A step-up SIP increases your monthly investment by a fixed percentage each year — typically 10–15% — matching your salary growth. A ₹10,000 SIP at 15% step-up can build more than twice the corpus of a flat ₹10,000 SIP over 20 years, without dramatically increasing your initial commitment.
Equity SIPs historically return 10–15% p.a. with market risk. EPF offers ~8.25% p.a. with government backing and Section 80C tax benefits. Fixed Deposits give 6–8% p.a. with guaranteed but taxable returns. This simulator models all three together so you see your real combined corpus.
Inflation erodes purchasing power. A ₹1 crore goal today needs roughly ₹3.2 crore in 20 years at 6% inflation. The simulator adjusts your target automatically and shows whether your portfolio will meet the inflation-adjusted figure — not just the nominal one.
Each monthly SIP instalment compounds for its remaining investment period. The formula is M = P × ({[1 + i]^n – 1} / i) × (1 + i), where P is the monthly amount, i is the monthly return rate, and n is the number of months. A step-up SIP additionally increases P by a fixed % each year.
The simulator is completely free with no sign-up required. Advanced features — saving named plans, exporting CSV data, sharing plans via link, and comparing two scenarios — are available after a one-time free Google sign-in.