Invest a fixed amount every month and compounding does the rest — slowly at first, then all at once. Set your numbers below and watch the split between what you contributed and what the market added.
Each column is the year-end balance, split into your contributions and the growth on top. Hover, or focus the chart and use the arrow keys.
This calculator is an illustration, not investment advice. It does not know your tax position, your goals or your risk appetite, and it cannot promise a return. Nothing you type is sent anywhere — the whole thing runs in your browser.
There is no correct answer, only a defensible one. Be conservative rather than optimistic: a projection that is too rosy makes you save too little, which is the expensive mistake. A common approach is to use the long-run average of the asset class you are actually buying, then subtract a percentage point for fund costs and a margin for being wrong.
Try the same plan at a few different rates. If the goal only works at the highest one, the plan is fragile.
Because returns compound and contributions don't. Your monthly instalment adds the same amount every month, but the growth is earned on a balance that keeps getting bigger — including on previous growth. In a long enough SIP the returns portion overtakes everything you contributed. Push the time period slider up and watch the crossover move.
This is also why the single most powerful input on this page is time, not the return rate.
Usually, yes — and by more than people expect. Raising the instalment in line with your income means your savings rate holds steady instead of quietly falling as you earn more. Set the step-up to your expected annual raise and compare the total against 0%.
Yes. This page is a projection for one hypothetical instalment. The Zinfai desktop app tracks the SIPs you really hold, across funds and currencies, with live prices and XIRR on the actual cashflow dates — and the AI Financial Planner recommends a monthly SIP per goal. See how planning works.