Fundulato₹
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Find how much SIP or lumpsum you need to achieve your financial goals. Includes inflation and step-up options.
⚠️ Results are approximate. Use for planning purposes only.
Achieve your financial goals with smarter, more structured investing. Use SIP or lumpsum strategies with advanced options like step-up, initial boost, and inflation adjustment.
A Systematic Investment Plan (SIP) spreads your investments over time — ideal for salaried investors building wealth monthly. A Lumpsum investment is a one-time contribution, perfect for bonuses, inheritances, or windfall gains. SIP reduces timing risk through rupee cost averaging, while lumpsum can perform better when markets are attractive.
Combine multiple strategies to reach your goals faster:
Solve for Initial SIP: Enter your raise percentage to find your starting SIP. Solve for Step-Up %: Enter your fixed SIP to calculate how much yearly raise you need. Calculate based on what you control — either your budget or your growth rate.
A ₹5,000 SIP with 10% annual step-up can reach the same goal with 40–50% less starting amount than a fixed SIP. As your income grows, your SIP grows too — making big goals achievable without overcommitting today.
At 6% inflation, ₹1 crore today will be worth only ₹31 lakhs in 20 years. Planning without inflation adjustment means your goal loses over 70% of real value. Always plan for inflation to ensure your money retains its true purchasing power.
A Goal SIP is a disciplined investment plan designed to help you achieve a specific financial goal — such as retirement, a child’s education, or buying a house — by investing a fixed amount regularly in mutual funds.
A regular SIP focuses on growing wealth over time, while a Goal SIP starts with a target in mind and works backward to calculate how much you should invest to reach that goal.
If you toggle the inflation option, the calculator inflates your target corpus to reflect the future value of money based on the expected inflation rate — ensuring your goal retains its buying power.
A Step-Up SIP automatically increases your SIP amount by a chosen percentage each year. It’s ideal for investors whose income rises over time and want to reach their goals faster.
Yes. You can add an initial amount to reduce your required SIP contribution. This is useful if you already have existing savings or lump-sum investments.
The longer you stay invested, the greater the benefit of compounding. Shorter tenures require higher SIP amounts, while longer ones let your corpus grow steadily with less effort.
No. Results are for illustrative and planning purposes only. Market returns fluctuate, and actual results depend on mutual fund performance and inflation.