👋 New to Wealth Planning? Start Here

This interactive suite helps you calculate and plan your savings, goals, and retirement in three simple steps. Here is how to use it:

Choose a Mode: Select a planner tab above. You can estimate your Future Wealth, find the savings required for a Target Goal, or simulate your retirement **SWP Pension** longevity.

SIP vs Lumpsum: Pick Monthly SIP (investing a small sum regularly every month) or Lumpsum (a one-time fixed single investment).

Adjust for Inflation (Crucial!): Inflation erodes money value. When enabled, our calculator adjusts all future returns to show you the **actual purchasing power** in today's currency.

Monthly Investment

₹

Annual SIP Step-Up (%) Salary Hike

Monthly Withdrawal (Pension)

₹

Expected Annual Return (%)

Time Period (Years)

Yrs

Adjust calculations for inflation?

% Inflation

Future Wealth Value

₹25,22,880

Total Invested: ₹9,00,000

Inflation Adjusted Value

₹10,52,709

Equivalent purchasing power

Wealth Growth Trajectory

Wealth Composition

🚀 Start Investing in Mutual Funds & Equity Today

Coin by Zerodha

Invest in direct mutual funds for free. Zero commission, zero brokerage. Direct mutual funds yield up to 1-1.5% higher returns than regular funds by eliminating hidden fees.

Open Free Account

Groww Investment

Open a free demat account in 5 minutes with Groww. Access instant SIPs, lumpsum mutual funds, and stock index investments with an intuitive visual dashboard.

Start SIP on Groww

📊 View Yearly Detailed Amortization Table

▼

Year	Total Invested	Future Wealth	Inflation Adjusted

● Live Financial & Business News

Real-time updates to keep you informed of global market movements.

Loading live news feed...

The Science of Wealth Accumulation & Compounding

Compounding is famously referred to as the eighth wonder of the world. However, understanding compounding in isolation is not enough. To formulate a realistic financial plan, you must account for **Inflation** and **Asset growth**.

Why a Step-Up SIP is a Game-Changer

Most salary earners receive annual increments. A static SIP of ₹5,000 for 20 years yields substantial wealth, but if you increase your SIP contribution by just 10% every year, your final accumulated corpus nearly doubles! Our Step-up SIP planner models this realistic increase to show your true financial potential.

Navigating Retirement with Systematic Withdrawals (SWP)

Building a corpus is phase one; distribution is phase two. A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed monthly pension from your accumulated mutual funds while the remaining balance continues to grow. By adjusting withdrawals for inflation, you ensure that your retirement lifestyle is not eroded by rising prices over 20 or 30 years.