Investments

SIP Calculator & Financial Freedom Planner

Start with your SIP, expenses, and age. See when your investment corpus may become large enough to support your lifestyle.

1Enter today

Age, lumpsum, monthly SIP, and expenses.

2Check target age

The result estimates when corpus may reach 25x annual expenses.

3Adjust assumptions

Try higher SIP, lower expenses, or conservative returns.

4Optional target

Change Target Amount if you want a different required corpus.

Current age Example: 28 years.Lumpsum One-time investment or existing corpus included in projection.

Monthly SIP

Amount invested every month.

RsINR

Rs 0Rs 5L

Annual step-up

With 10% yearly step-up, next year becomes about ₹16,500/mo.Expected return

Annual market-linked return.

Monthly Expense

Current lifestyle cost used for target corpus.

RsINR

Rs 0Rs 10L

Inflation

Expense growth per year.Target Amount

Default uses 25x annual expense. Edit this if you have a fixed goal.

Freedom estimate@ Age 52Approx. 24 years from now, if assumptions hold.

Total invested by target age₹1.61 Cr

Estimated wealth gain₹4.26 Cr

Total wealth₹5.87 Cr

Corpus at target age₹5.87 Cr

Required corpus₹5.73 Cr

Inflated annual expense₹22.92 L

Portfolio Growth vs. Expense Benchmark

When Portfolio Growth crosses Expense Benchmark, that is the estimated financial independence point.

Age 29₹4.18 LBenchmark ₹1.5 Cr

Crossing point₹5.87 CrBenchmark ₹5.73 Cr

Portfolio Growth Expense Benchmark (25x annual expense x inflation)

Yearly Projection

Shows yearly investment, corpus growth, expenses, and the target benchmark.

Age	Invested This Year	Cumulative Invested	Projected Corpus	Annual Expense	Target Corpus (25x annual expense)	Gap / Surplus
29	₹1.8 L	₹3.8 L	₹4.18 L	₹6 L	₹1.5 Cr	₹1.46 Cr
30	₹1.98 L	₹5.78 L	₹6.82 L	₹6.36 L	₹1.59 Cr	₹1.52 Cr
31	₹2.18 L	₹7.96 L	₹10.01 L	₹6.74 L	₹1.69 Cr	₹1.59 Cr
32	₹2.4 L	₹10.35 L	₹13.83 L	₹7.15 L	₹1.79 Cr	₹1.65 Cr
33	₹2.64 L	₹12.99 L	₹18.4 L	₹7.57 L	₹1.89 Cr	₹1.71 Cr
34	₹2.9 L	₹15.89 L	₹23.83 L	₹8.03 L	₹2.01 Cr	₹1.77 Cr
35	₹3.19 L	₹19.08 L	₹30.26 L	₹8.51 L	₹2.13 Cr	₹1.83 Cr
36	₹3.51 L	₹22.58 L	₹37.84 L	₹9.02 L	₹2.26 Cr	₹1.88 Cr
37	₹3.86 L	₹26.44 L	₹46.76 L	₹9.56 L	₹2.39 Cr	₹1.92 Cr
38	₹4.24 L	₹30.69 L	₹57.22 L	₹10.14 L	₹2.53 Cr	₹1.96 Cr
39	₹4.67 L	₹35.36 L	₹69.46 L	₹10.75 L	₹2.69 Cr	₹1.99 Cr
40	₹5.14 L	₹40.49 L	₹83.75 L	₹11.39 L	₹2.85 Cr	₹2.01 Cr
41	₹5.65 L	₹46.14 L	₹1 Cr	₹12.07 L	₹3.02 Cr	₹2.01 Cr
42	₹6.21 L	₹52.35 L	₹1.2 Cr	₹12.8 L	₹3.2 Cr	₹2 Cr
43	₹6.84 L	₹59.19 L	₹1.42 Cr	₹13.57 L	₹3.39 Cr	₹1.97 Cr
44	₹7.52 L	₹66.71 L	₹1.68 Cr	₹14.38 L	₹3.59 Cr	₹1.91 Cr
45	₹8.27 L	₹74.98 L	₹1.98 Cr	₹15.24 L	₹3.81 Cr	₹1.83 Cr
46	₹9.1 L	₹84.08 L	₹2.33 Cr	₹16.16 L	₹4.04 Cr	₹1.71 Cr
47	₹10.01 L	₹94.09 L	₹2.74 Cr	₹17.13 L	₹4.28 Cr	₹1.54 Cr
48	₹11.01 L	₹1.05 Cr	₹3.2 Cr	₹18.15 L	₹4.54 Cr	₹1.34 Cr
49	₹12.11 L	₹1.17 Cr	₹3.74 Cr	₹19.24 L	₹4.81 Cr	₹1.07 Cr
50	₹13.32 L	₹1.31 Cr	₹4.35 Cr	₹20.4 L	₹5.1 Cr	₹74.69 L
51	₹14.65 L	₹1.45 Cr	₹5.06 Cr	₹21.62 L	₹5.41 Cr	₹34.44 L
52	₹16.12 L	₹1.61 Cr	₹5.87 Cr	₹22.92 L	₹5.73 Cr	+₹14.51 L

What this result means

The target age is not a promise. It is the first year where your projected corpus becomes larger than 25 times your inflation-adjusted annual expense.

Step-up SIP calculator for yearly SIP increase

Use the Annual step-up field as a step-up SIP calculator. A 10% step-up means your monthly SIP increases every year as income grows, so a Rs 15,000 SIP becomes about Rs 16,500 in year two, Rs 18,150 in year three, and so on.

Step-up SIP is useful for salaried investors because salary increments, bonuses, and appraisal hikes can be directed into mutual funds without putting pressure on the first-year monthly budget.

Lumpsum mutual fund calculator and one-time investment planning

Use Lumpsum for the one-time investment already available today. The projection grows this existing corpus along with your monthly SIP, so the page also covers lumpsum mutual fund calculator and SIP plus lumpsum planning intent.

Search keyword	Field to use	What it estimates
step-up SIP calculator	Monthly SIP + Annual step-up	Future value when SIP grows every year.
lumpsum calculator	Lumpsum	Growth of existing one-time investment corpus.
SIP plus lumpsum calculator	Lumpsum + Monthly SIP	Combined future corpus from existing and monthly investments.
target corpus calculator	Target Amount	Age when projected corpus may reach a fixed goal.

How to improve the result

Increase SIP: Raising the monthly investment usually has the clearest impact. A yearly step-up helps because SIP grows with income.

Control expenses: Lower monthly expenses reduce the required target corpus. This can move the target age earlier.

Use conservative returns: Mutual fund returns are market-linked. Planning with a slightly lower return assumption gives a more realistic safety margin.

SIP, step-up and lumpsum FAQs

Is this a step-up SIP calculator?

Yes. Enter your current monthly SIP and annual step-up percentage. The yearly projection increases SIP every year and estimates the future corpus.

Can I use this as a lumpsum mutual fund calculator?

Yes. Enter the one-time investment under Lumpsum. The calculator grows that existing corpus along with any monthly SIP you add.

Can I calculate SIP plus lumpsum together?

Yes. Use Lumpsum for the one-time amount and Monthly SIP for recurring investment. The result combines both into one projected corpus.

Which is better: SIP, step-up SIP, or lumpsum?

SIP spreads investment over time, step-up SIP increases investment as income rises, and lumpsum invests existing cash immediately. The best option depends on cash flow, market risk, time horizon, and discipline.

Disclaimer: Estimate only. SIP returns are market-linked and not guaranteed. Financial power age is a planning estimate based on simplified assumptions such as expected return, inflation, SIP step-up, and 25x annual expense target. This calculator does not provide investment advice, fund recommendation, tax advice, or retirement guarantee. Please verify with a qualified financial adviser before making investment decisions.