01
Tools
Planning calculators
Each one answers a single question properly. Start with the one that matches the decision in front of you.
SIP
Project the future value of a fixed monthly investment over any horizon.
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Step-Up SIP
See what an annual increase in your SIP does to the final corpus.
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Lumpsum
Growth of a single investment compounding over your chosen period.
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SWP
How long a corpus lasts at a given monthly withdrawal, and what remains.
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SIP to SWP
Accumulate with a SIP, then draw a monthly income — both phases in one projection.
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STP
Move a lumpsum into equity in monthly tranches and see both funds evolve.
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Goal Planner
Work backwards from a target amount and date to the monthly amount required.
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Combined
A lumpsum, a SIP, a step-up and yearly additions modelled together.
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Delay Cost
What postponing the start by a few years costs you in final corpus.
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Interpretation
Using the output well
A calculator answers one question well and everything else badly. Three things worth remembering before you act on a number.
01
The rate is an assumption
Run the same plan at a lower rate too. If it still works, the plan is robust.
02
Inflate the goal
A cost fifteen years away is not today’s cost. Plan against the future number.
03
Returns are not straight
The curve a calculator draws is smooth. Real markets are not. Horizon is what absorbs that.
Every projection assumes a constant rate of return that you choose. Actual mutual fund returns vary and are not guaranteed.