Advanced SIP & Wealth Generator

Project your mutual fund wealth creation using standard AMFI algorithms. See the brutal truth of inflation with our Real-Value estimator.

＋Equis / SIP Analytics
Monthly Investment
₹
5002,00,000
Expected Return (p.a)
%
1%30%
Time Period
Yrs
1 Yr40 Yrs
trending_downInflation Impact
%
COMPOUNDED

Wealth Generation Ledger

Total Invested Amount₹12,00,000
Estimated Capital Gains+₹11,23,391
Total Wealth₹23,23,391
warning

The Brutal Truth (Real Value)

After 10 years of 6% inflation, your ₹23,23,391 will only have the purchasing power of:

₹12,97,369

The Mathematics of Wealth Generation

Systematic Investment Plans (SIP) leverage the power of compounding. The official formula prescribed by the Association of Mutual Funds in India (AMFI) computes the future value of a series of periodic payments. However, standard calculators ignore the silent wealth killer: Inflation.

AMFI Formula (Nominal Value)

FV = P × ({[1 + i]^n – 1} / i) × (1 + i)
  • FV = Future Value
  • P = Monthly SIP Amount
  • i = Monthly return rate (Annual Rate / 12)
  • n = Number of months

EQUIS Real-Value Formula

Real_FV = FV / (1 + r)^y
  • Real_FV = Purchasing Power in Today's Money
  • FV = Nominal Future Value (from AMFI)
  • r = Annual Inflation Rate (e.g., 6%)
  • y = Number of Years

Frequently Asked Questions

What is an SIP?expand_more
A Systematic Investment Plan (SIP) is a facility offered by mutual funds that allows you to invest a fixed amount regularly (e.g., monthly) rather than making a lump-sum investment. It averages out your purchase cost and instills financial discipline.
Why is my "Real Value" so much lower than the "Total Wealth"?expand_more
This is the impact of inflation. If inflation averages 6% annually, the cost of goods doubles roughly every 12 years. So while your mutual fund statement might show you have ₹1 Crore after 20 years, it will only buy you what ₹31 Lakhs can buy today. Equis shows you this reality upfront.
Does this calculator account for Capital Gains Tax (LTCG)?expand_more
No, this calculator shows pre-tax wealth. In India, Long Term Capital Gains (LTCG) on equity mutual funds beyond ₹1.25 Lakh per year are currently taxed at 12.5%. You must subtract this tax from your estimated returns upon liquidation.
Real Value₹12,97,369
Total Wealth₹23,23,391