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

FORM SIP · REV. 01 · MMXXVI

Monthly Investment

Systematic Transfer

₹

5002,00,000

Expected Return (p.a)

Historical Nifty: ~12%

1%30%

Time Period

Duration of investment

Yrs

1 Yr40 Yrs

trending_downInflation Impact

Assumed Inflation Rate:

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

Frequently Asked Questions

Step up SIP kya hota hai?expand_more

Step-up SIP ka matlab hai apni SIP amount ko har saal ek fixed percentage (jaise 10%) se badhana. Ye inflation ko beat karne aur income growth ke hisab se apna corpus jaldi bada karne ka sabse powerful tareeka hai.

SIP mein 1 crore kitne saal mein banega?expand_more

Agar aap ₹10,000 mahina SIP karte hain aur 12% average return milta hai, toh 1 crore banne mein kareeb 20 saal lagenge. Agar aap isme 10% Step-up add kar dete hain, toh ye 1 crore sirf 15 saal mein ban jayega.

SIP calculator 10000 per month — 20 saal mein kitna milega?expand_more

₹10,000/month SIP at 12% CAGR for 20 years gives a corpus of approximately ₹98 Lakhs (nominal). But after adjusting for 6% inflation, your real purchasing power in today's money is only around ₹38-40 Lakhs. Always calculate inflation-adjusted returns.

Mutual fund SIP mein risk kitna hota hai?expand_more

SIP market risk ko reduce karta hai 'Rupee Cost Averaging' se — gir te market mein zyada units milte hain, badhte market mein kamm. But equity SIPs mein short-term (3 saal se kam) pe negative returns aa sakte hain. 7+ saal ke liye SIP almost hamesha profitable raha hai historically.

SIP vs FD — kaun behtar hai 2026 mein?expand_more

FD 7-7.5% guaranteed return deta hai. Equity SIP historically 12-14% deta hai lekin volatility ke saath. Agar aapka goal 10+ saal door hai aur aap market dip mein SIP band nahi karenge, toh SIP mathematically FD se 2-3x zyada corpus banata hai.

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