Models monthly contributions compounded at your expected annual return. Add an initial lump sum and annual step-up % to mirror raises or increasing contributions.
Investment Plan
Year-by-Year Growth
| Year | Invested | Balance | Gains |
|---|
Practical tips & common mistakes
Rupee-cost averaging
SIPs smooth entry price over time — you buy more units when markets dip. The math assumes steady monthly investing through volatility.
Stopping in downturns
Pausing SIPs during crashes removes the main benefit: automatic buying at lower NAVs. Model staying consistent before you commit.
Step-up annually
Many investors increase SIP amount 5–10% each year with raises. Even small step-ups compound dramatically over 15–20 years.
Expense ratio drag
Fund returns in ads are often pre-expense. Subtract the TER from assumed growth for conservative planning.