Model lump sum deposits, regular deposits, or both — with flexible deposit and compounding frequencies, and support for both profit (+) and loss (−) interest rate scenarios.
If you plan to invest a little more each year (a "step-up"), enter the percentage your Regular Deposit Amount should increase by at the start of every year. Leave at 0 to keep it fixed.
1 yrTotal Term
Regular deposits stop after this term; the fund then keeps growing purely through compounding until the end of the Total Term.
1 yr30 yrs
This scenario results in a net loss — your maturity amount is lower than the total amount deposited.
Maturity Amount
₹0
Total Deposited
₹0
Interest Earned
₹0
Returns
0%
Growth Trend
Deposited vs Returns
Detailed Report
Year
Total Deposited
Interest Earned
Closing Value
Month
Total Deposited
Interest Earned
Closing Value
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How this calculator works
Lump Sum & Regular Deposit — enter a one-time amount, a recurring amount, or both together; both are covered in the same calculation.
Regular Deposit Frequency — how often your regular deposit is added (or, with a negative deposit amount, withdrawn).
Increase Regular Deposit Every Year by — an optional "step-up": your Regular Deposit Amount increases by this percentage at the start of every year, so you can model gradually investing more over time.
Interest Rate — enter a positive rate for growth scenarios, or a negative rate (e.g. -8) to model a loss scenario, such as a declining asset.
Compounding Frequency — how often earned interest is added back to your principal so it starts earning its own interest. Choose "No Compounding" to model simple interest instead, where interest is calculated only on what you've deposited, never on interest already earned.
Total Term — the full number of years your money stays invested and keeps compounding.
Regular Deposit Term — the number of years you actually make regular deposits. Once this ends, no further deposits are added, but the fund continues to grow through compounding for the rest of the Total Term.
Reports — the yearly and monthly tables show your deposited total, interest earned, and closing value at each point in time, so you can see exactly how your money grows (or shrinks) over the full duration.
This calculator is provided for illustration purposes only and does not constitute investment advice. Actual returns from any real investment will vary.
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Straight, plain-language answers to what people most often ask us about mutual funds, SIPs, inflation and the stock market.
What is a SIP and how does it work?
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund at regular intervals — usually monthly — instead of investing a lump sum. Each instalment buys units at that day's price, which averages out your purchase cost over time (known as rupee-cost averaging) and builds the habit of disciplined, long-term investing.
How much should I invest in a SIP every month?
There's no single right number — it depends on your goal amount, your timeline, and how much you can comfortably set aside without straining your monthly budget. A common starting approach is to invest 15–20% of your monthly income across your goals. Our SIP and goal calculators can show you exactly what monthly amount a specific goal requires.
Does inflation actually affect my savings?
Yes, significantly. At an average inflation rate of around 6% a year, money sitting idle loses roughly half its purchasing power in about 12 years. This is the main reason plain savings accounts or fixed deposits alone often aren't enough for long-term goals like retirement or a child's education — investments that can outpace inflation, like equity mutual funds, are usually needed alongside them.
Is investing in the stock market the same as investing in mutual funds?
No. Buying stocks directly means picking and managing individual companies yourself, which carries concentrated risk and requires research and time. An equity mutual fund pools your money with other investors' and is professionally managed, spreading your investment across many companies — which reduces single-stock risk and suits most people better than direct stock-picking, especially when starting out.
What is the minimum amount needed to start investing?
Most mutual funds allow SIPs starting from as little as ₹500 per month, so you don't need a large sum to begin. What matters more than the starting amount is starting early and staying consistent — time in the market is generally a bigger driver of long-term returns than the size of your first instalment.
Are mutual funds safe, and can I lose money?
Mutual funds are regulated and professionally managed, but they are not risk-free — their value moves with the market, and equity funds in particular can decline in the short term. The risk varies a lot by category: debt and liquid funds are considerably more stable than equity funds. Matching the right category to your goal's timeline is the main way to manage this risk.
How is a mutual fund different from a fixed deposit?
A fixed deposit offers a fixed, guaranteed interest rate and capital protection, but typically returns barely keep pace with (or lag) inflation. A mutual fund's returns aren't guaranteed and can fluctuate, but historically, equity mutual funds have offered higher long-term returns than FDs — making them better suited to long-term wealth building, while FDs suit short-term safety needs.
What is the right age to start investing?
As early as you start earning. Because of compounding, someone who starts investing ₹5,000 a month at age 25 will typically build a significantly larger corpus by retirement than someone who starts the same SIP at age 35 — even though the second person invests for fewer years overall. Starting early matters more than starting with a large amount.
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