Finance Utility Toolkit
Smart SIP & Wealth Calculator
Analyze Systematic Investment Plans with annual step-ups and inflation-adjusted targets for .
₹
₹-
Invested
₹-
Wealth Gain
₹-
Total Value
Wealth Multiplier: 0x
Precision Logic ( Edition)
Year-on-Year Growth Projection
| Year | Total Invested | Wealth Gained | End Balance |
|---|
Smart SIP Master is a world-class wealth-building utility optimized for the landscape. It utilizes a sophisticated monthly compounding algorithm with annual "Step-Up" support, allowing Indian investors to visualize capital-to-profit ratios and export professional-grade PDF portfolio roadmaps.
How to Use the SIP Master
- 1 Set Monthly SIP: Enter your starting investment amount. Results update live as you type.
- 2 Define Step-Up: Enter the percentage you wish to increase your contribution by every 12 months.
- 3 Review & Save: Check your Wealth Multiplier and click "Save PDF" for a detailed year-by-year report.
Why Step-Up SIP is the Best Wealth Strategy in
A standard SIP remains flat, while a **Step-Up SIP** grows with your salary. Increasing your investment by just 10% annually can result in a final corpus that is significantly larger due to the compounding effect on the increased principal.
SIP Investment & Wealth Growth FAQs
What is a realistic return rate? Historically, Indian equity markets provide 12-15% returns over a 10-year period.
Is my financial data safe? Yes. OTechy processes all calculations locally in your browser. No data is stored.
How does Step-Up work? The monthly investment increases automatically every 12 months by your chosen percentage.
Is the PDF report free? Yes. You can export unlimited professional-grade reports for your financial planning.
What is the Power of Compounding? Compounding is earning interest on your interest. Over long periods, even small monthly amounts grow exponentially because your previous gains start generating their own earnings.
What is Rupee Cost Averaging? By investing a fixed amount regularly, you buy more units when prices are low and fewer when prices are high. This averages out your purchase cost over time.
Can I pause or stop my SIP at any time? Yes. Unlike fixed deposits, SIPs in mutual funds are highly flexible. You can pause, stop, or increase your investment without any heavy penalties.
What is the difference between SIP and Lumpsum? SIP involves investing small amounts regularly, while a Lumpsum is a one-time investment. SIPs are generally safer for beginners as they reduce the risk of market timing.
Does a 1% higher return make a big difference? Absolutely. Due to compounding, a 1% or 2% difference in annual returns can lead to a gap of lakhs of rupees in your final corpus over 20 years.
What is a "Wealth Multiplier" in SIP? It is a factor that shows how many times your total invested principal has grown. For example, a multiplier of 3x means your money has tripled.
Is SIP taxable? Returns from equity mutual funds are subject to Long Term Capital Gains (LTCG) tax if held for more than a year, but currently, gains up to ₹1.25 Lakh per year are tax-free.
Can I start an SIP with only ₹500? Yes, most mutual fund schemes in India allow you to start your investment journey with as little as ₹500 per month.
How does inflation affect my SIP goal? Inflation reduces the future purchasing power of your money. It is always recommended to use our "Step-Up" feature to beat inflation over the years.
What is the best date for a monthly SIP? There is no "perfect" date, but most investors choose a date right after their salary is credited (like the 5th or 10th) to ensure discipline.
Do I need a Demat account for SIP? Not necessarily. You can invest directly through mutual fund websites or apps using your PAN and bank details without a full Demat account.