🧮 Interactive Calculator Workbench
📊 Yearly Wealth Accumulation Matrix
| Year | Total Invested | Profit / Gain | Total Corpus Value |
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How Mutual Fund Wealth & SIP Return Calculator Works — Step by Step
Decide between Large-Cap (stable, ~10–12% CAGR), Mid-Cap (aggressive, ~13–16%), or Flexi-Cap (balanced, ~12–14%).
Complete KYC via Groww, Zerodha Coin, or bank. Takes 10–15 minutes with Aadhaar + PAN.
Choose a monthly SIP date close to salary credit date. Even ₹500/month compounded over 20 years becomes significant.
Increase your SIP by 10–15% each year as your income grows — this dramatically accelerates wealth creation.
SIPs work best when you ignore market volatility and stay invested for 10+ years. Rupee cost averaging is your friend.
Frequently Asked Questions
No. SIP returns depend on market performance. However, long-term (10+ year) equity SIPs have historically given 12–15% p.a. CAGR.
ELSS (Equity Linked Savings Scheme) is a tax-saving mutual fund with 3-year lock-in. Investments up to ₹1.5L qualify for 80C deduction.
Yes. You can pause, reduce, or stop your SIP anytime from the fund's app or website without any penalty.
Most funds allow SIPs starting at ₹100/month. Popular funds have ₹500/month minimums.
This calculator uses 2026 official government gazette rates and standard financial formulas. Results are highly accurate for planning purposes. Always confirm final numbers with the respective bank, insurer, or government portal before making financial commitments.
No. All PolicyVani calculators are 100% free, require no registration, no login, and no personal data.