Sequence of returns
The same average return delivered in a different order produces a different outcome — badly so when you are withdrawing. A flat rate hides this entirely.
Home / Calculators
Five calculators, all illustrations
These tools show how compounding behaves at an assumed constant rate. Real mutual fund returns are not constant, not assured and not predictable — treat every number here as a rough shape, not a forecast.
Before you use these — the calculators assume a fixed annual return that never varies. Markets do not work that way. The output ignores expense ratio, exit load, stamp duty and capital gains tax, and it is not a projection, a recommendation or a guarantee of any outcome. Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing.
Monthly SIP
Illustrative outcome
Total invested—
Illustrative gain—
Illustrative value—
InvestedReturns
Assumes an instalment at the start of each month and a constant rate of return. Actual returns vary daily and are not guaranteed.
One-time investment
Illustrative outcome
Amount invested—
Illustrative gain—
Illustrative value—
InvestedReturns
Compounds annually at a constant assumed rate. It does not account for exit load, expense ratio or taxation.
Step-up SIP
Illustrative outcome
Total invested—
Illustrative gain—
Extra vs a flat SIP—
Illustrative value—
InvestedReturns
Assumes the monthly amount rises by the step-up percentage on each anniversary. The dashed line compares a flat SIP at the same starting amount.
Goal planner
Illustrative outcome
Cost at goal date—
You would invest in total—
Monthly SIP needed—
InvestedReturns
Inflates today's cost to the goal date, then works backwards to the monthly amount needed at the assumed return. No outcome is assured.
Retirement withdrawal (SWP)
Illustrative outcome
Corpus lasts for—
Total withdrawn—
Growth in first month—
CorpusDrawn beyond corpus
Assumes a withdrawal at the end of each month and a constant return, capped at 60 years. Redemptions may attract capital gains tax and exit load.
Reading the output
What these numbers leave out
A calculator is an arithmetic tool, not a plan. Four things it cannot show you.
Costs and taxes
Expense ratio, exit load, stamp duty and capital gains tax all reduce what you actually receive. None of it is modelled here.
Your own behaviour
The most common reason a plan misses is a SIP stopped during a fall. No calculator can price that in.
Whether it suits you
A 12% assumption implies equity exposure and the volatility that comes with it. Whether you can hold through a 35% drawdown is a separate question.
Begin the conversation
Want these checked against your situation?
Bring the goal and the timeline. We will work through what is realistic, what it costs monthly, and what could go wrong along the way.