Wealth Planner
Plan Your Wealth Journey
Use our interactive calculators to visualize how disciplined investing can help you build wealth over time. Adjust the inputs and watch your potential growth unfold in real-time.
These calculators are for illustration and educational purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Past performance does not guarantee future results. Please consult with us before making investment decisions.
What is a SIP (Systematic Investment Plan)?
A Systematic Investment Plan (SIP) allows investors to invest a fixed amount regularly (monthly or quarterly) into mutual funds. Instead of timing the market with a lump sum, SIP enables rupee-cost averaging — buying more units when prices are low and fewer when prices are high. Over long periods, this disciplined approach combined with the power of compounding can create significant wealth from relatively modest monthly contributions.
How Does Compounding Work in Investments?
Compounding occurs when your investment returns generate their own returns. In early years, growth appears modest. But as the base grows, the absolute returns accelerate exponentially. This is why starting early matters — even a 5-year head start can result in dramatically different outcomes over a 20-30 year horizon. The SIP calculator above demonstrates this compounding effect visually through the growth curve.
What is a Lumpsum Investment?
A lumpsum investment is a one-time deployment of capital into an investment vehicle. Unlike SIP which spreads investments over time, lumpsum gives your entire capital more time in the market. Historically, lumpsum has outperformed SIP in rising markets, while SIP provides better risk-adjusted entry in volatile conditions. Many investors use both — SIP for regular savings and lumpsum when they receive windfalls like bonuses or inheritance.
What is an SWP (Systematic Withdrawal Plan)?
A Systematic Withdrawal Plan (SWP) allows investors to withdraw a fixed amount regularly from their investment corpus while the remaining balance continues to earn returns. This is commonly used by retirees who want regular income from their accumulated wealth. The key consideration is ensuring withdrawal rates don't exceed portfolio growth — otherwise the corpus depletes over time.
How to Plan for Financial Goals?
Goal-based investing works backward from your target amount. Define the goal (education, home, retirement), estimate the future cost adjusted for inflation, set a timeline, then calculate the monthly investment needed at a reasonable expected return. The goal calculator above helps you reverse-engineer exactly how much you need to save monthly to reach any financial milestone.