SIP Compounder
What will my monthly investment become?
Project a monthly SIP, with an optional annual step-up, and see how much of the result came from returns rather than from your own contributions. Then look at what a five-year delay would have cost.
Inputs
You invest
₹24L
Returns add
₹75.9L
76% of total
Final corpus
₹99.9L
In today's money
₹44.6L
after 6% inflation
If you started five years later
Keeping the same monthly amount but investing for 15 years instead of 20 leaves you ₹49.5L short — for ₹6L of contributions you skipped. The missing years are the ones that had the longest to compound.
What this tool does not model
- ·The expected return is an assumption you choose, not a forecast. Real returns vary year to year and can be negative for long stretches.
- ·Exit loads, expense ratios and capital gains tax on redemption are not deducted.
- ·Contributions are modelled at the start of each month, matching how a real auto-debit behaves.
Before you act on any of this
WealthSense publishes financial education, not financial advice. We are not a SEBI-registered investment adviser and nothing here is a recommendation to buy or sell any security. Every calculator uses an assumed rate of return that is illustrative only — real returns vary and can be negative. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Tax figures follow published slabs for the current financial year and ignore surcharge and individual circumstances. Please consult a qualified adviser before making decisions with your money.