Total invested

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Wealth gained

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Absolute return

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Instalments paid

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Mandatory disclaimerThis calculator uses an assumed constant return rate for illustration. Actual mutual fund returns vary with market conditions and are not guaranteed. Past performance is not indicative of future results.

Total invested

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Wealth gained

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Absolute return

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From the one-time investment

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From the SIP instalments

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Annualised return (XIRR)

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Value in today's money

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Both legs grow at the same effective annual rate you enter: the one-time amount compounds annually, and SIP instalments compound monthly at the equivalent monthly rate, (1 + r)^(1/12) − 1. The annualised return is a true XIRR across every cash flow, so it matches your assumed rate and accounts for the fact that later instalments have less time to grow.

Mandatory disclaimerThis calculator uses an assumed constant return rate for illustration. Actual mutual fund returns vary with market conditions, scheme selection and asset allocation, and are not guaranteed. Expense ratio, exit load and capital gains tax are not modelled here and will reduce what you actually receive. Past performance is not indicative of future results.

Total invested

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Total withdrawn / current value

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Absolute gain / loss

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Holding period

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Mandatory disclaimerXIRR calculates the annualised return of investments made at different dates. This is the standard metric used to evaluate returns on SIPs and irregular investments. Results are for illustration and depend entirely on values you input.

Years until retirement

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Monthly expenses at retirement

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Corpus needed at retirement

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Real return during retirement

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Years funded in retirement

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Mandatory disclaimerThis calculator uses assumed return and inflation rates for illustration. Actual returns depend on market conditions and asset allocation. Retirement planning should account for healthcare, dependents and individual circumstances not modelled here. Consult a SEBI Registered Investment Adviser for personalised planning.

Park this amount somewhere you can reach within a day or two — a liquid mutual fund or a savings account — rather than in anything with a lock-in or market risk.

Mandatory disclaimerEmergency fund recommendations vary by personal circumstances. This calculator provides general guidance. It is not personalised financial advice. Consider your individual liquidity needs, existing insurance coverage and family obligations.

Total withdrawn over the period

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Returns earned

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Balance at the end

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Withdrawal rate (annualised)

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Mandatory disclaimerSWPs assume constant return rates, which do not reflect real market volatility. Sequence of returns risk — poor returns in the early years — can significantly reduce how long a corpus lasts. This is illustrative and not investment advice.

Matched holdings

Mandatory disclaimerOverlap % is based on the portfolio weights you input. Actual mutual fund portfolios change over time and this calculator only reflects the snapshot you provided. This is an educational tool. It does not constitute a recommendation to invest in, redeem or switch any mutual fund scheme.