Aggressive Wealth SIP
An aggressive SIP planner for long-term wealth creation in equities.
Increase your SIP each year
Real (inflation-adjusted) value after 20 years: ₹1,53,49,989
About the Aggressive Wealth SIP
The Aggressive Wealth SIP projects how a Systematic Investment Plan (SIP) into Indian mutual funds compounds over time. SIPs are the most popular way Indian retail investors build long-term wealth because they automate discipline, average out market volatility through rupee-cost averaging, and use the power of monthly compounding. This tool factors in your contribution, expected CAGR and tenure to estimate the maturity corpus — and optionally adjusts for inflation so you see real, not nominal, wealth.
How the Aggressive Wealth SIP works
- Enter your monthly SIP amount, expected annual return (CAGR) and investment horizon in years.
- The calculator compounds each monthly instalment from the date of investment to the end of the horizon, simulating actual SIP behaviour.
- It separates your total contribution (capital invested) from the wealth gained (returns) so you can see the true power of compounding.
- For long horizons, enable inflation adjustment to convert nominal future value into today's purchasing power.
Inputs explained
Formula
FV = P × [(1 + i)^n − 1] / i × (1 + i) where P = monthly SIP, i = monthly rate (annual / 12), n = total months.
Worked example
A ₹10k/month SIP at 12% CAGR for 20 years invests ₹24.00 L of your own money and grows to roughly ₹99.91 L. Wealth gained: ₹75.91 L. Double the tenure and the corpus more than quadruples — that's why starting early matters more than starting big.
India-specific notes
- •Equity mutual fund gains held over 1 year qualify as Long Term Capital Gains (LTCG) — taxed at 12.5% above ₹1.25L/year (Budget 2024 update).
- •Debt funds bought after 1 April 2023 are taxed entirely at slab rate, regardless of holding period.
- •ELSS SIPs lock in for 3 years per instalment but qualify for 80C deduction under the old tax regime.
- •SIP returns are not guaranteed — historical large-cap CAGR over 10+ years has hovered around 11-13%.
Tips to maximise this calculator
- →Increase your SIP by 10% every year (step-up) — it can double your final corpus over 25 years.
- →Don't stop SIPs in a market crash — that's when you accumulate the most units cheaply.
- →Pair SIPs with a 6-month emergency fund so you never need to redeem during a downturn.
Common mistakes to avoid
- ✕Chasing last year's top-performing fund instead of sticking with a diversified core.
- ✕Pausing or stopping SIPs when markets fall — exactly the wrong move.
- ✕Forgetting to factor in inflation: ₹1 Cr in 25 years buys roughly what ₹30L buys today.
Glossary
- SIP
- Systematic Investment Plan — a fixed amount auto-debited to a mutual fund monthly.
- CAGR
- Compound Annual Growth Rate — the annualised return that smooths out yearly volatility.
- NAV
- Net Asset Value — the per-unit price of a mutual fund, calculated daily.
- Rupee-cost averaging
- Buying more units when NAV is low and fewer when high, automatically.
Frequently asked questions
Is the Aggressive Wealth SIP free to use?
Yes. The Aggressive Wealth SIP is free, runs in your browser and never stores personal data.
Are the assumptions India-specific?
Yes. We use INR, Indian inflation and India-specific rates (PPF, EPF, FY 2026-27 tax slabs where applicable).
Is this investment advice?
No. This tool is for education. Consult a SEBI registered advisor before investing.