Power of Compounding
Regular contributions grow over time as returns build on both principal and previously earned growth.
How This SIP Calculator Works
Arthvya helps you compare SIP outcomes across two planning layers so you can move from quick estimates to more realistic assumptions in one flow.
SIP Basics
A Systematic Investment Plan (SIP) means investing a fixed amount at regular intervals. Instead of trying to time perfect entry points, you stay consistent and let time and discipline work in your favor.
Rupee Cost Averaging
Fixed periodic investing naturally spreads entry points across market cycles instead of one-time timing.
Start Small, Scale Gradually
A disciplined monthly amount can compound meaningfully across long horizons.
Step-Up Flexibility
Your plan can include an annual step-up to increase monthly SIP contributions over time.
Two Planning Modes
Use Simple for quick ranges, and Real for fee-tax-inflation realism.
Wealth-Focused View
Score cards and breakdowns help you understand invested value, projected value, and practical purchasing-power outcomes.
Modes Explained
Simple Mode
Best for quick checks. You enter monthly SIP amount, duration, and an expected return range. The calculator uses the midpoint for the core projection and also shows a reality-check range for conservative vs optimistic outcomes.
Real Mode
Adds practical adjustments. You provide pre-fee return, fund expense ratio, and inflation, while tax rate and tax-free gains use fixed government tax assumptions. Results show value after fees, value after tax, and future value in today's money.
Formula
Core projections use the future value of recurring investments. Annual return assumptions are converted to a periodic growth rate based on frequency and compounded across your investment horizon.
FV = P x [ (1 + i)n - 1 ] / i x (1 + i)
- P: amount invested per period
- i: periodic return rate
- n: total number of contributions
In Real mode, this base projection is further adjusted by modeling fee drag, then tax on taxable gains, and finally inflation adjustment for purchasing power.
Using the Calculator
- Pick a mode: start in Simple, switch to Real for practical adjustments.
- Set SIP amount and duration: choose your contribution and investment horizon.
- Enter return assumptions: range-based in Simple, or explicit expected return in Real.
- If using Real mode, add realism inputs: expense ratio and inflation rate. Tax rate and tax-free gains are applied automatically from the fixed tax rule shown in the calculator.
- Review and compare outcomes: use the score card, result breakdown cards, and growth chart together.
Reading Results & Charts
Invested Amount
Total principal contributed during your SIP period.
Estimated Returns
Projected gains above principal, based on your return assumption.
Final Value
Projected maturity value based on your active mode and assumptions.
Final Wealth Score Card
Highlights estimated final wealth, net wealth created, and wealth multiple to provide a fast, decision-friendly summary of your current plan.
Assumptions Used
A compact assumptions panel tells you exactly which mode, return logic, frequency, and horizon were applied for the displayed output.
Fund Fee Impact
Shows estimated fee drag and value after fund fees when Real mode inputs are enabled.
Tax Impact
Breaks down taxed profit, total tax amount, and value after tax using your chosen tax assumptions.
Today's Money View
Inflation-adjusted value estimates what your future corpus may represent in current buying power.
The growth chart now compares year-by-year invested value, projected final value, and in Real mode also shows values after fees, tax, and inflation.
Important Notes
Projections depend heavily on assumptions. Small changes in return, fee, tax, or inflation inputs can materially change long-term outcomes.
Tax and inflation outputs are optional estimates. Actual outcomes may differ due to changing tax rules, slabs, surcharge, cess, market volatility, and fund-level costs.
This calculator is for educational planning and scenario comparison. It is not financial advice and does not guarantee future performance.
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