SIP Calculator with Inflation

The 15-15-15 Rule of Wealth

If you are new to investing, memorize this rule. It is the secret formula used by India's wealthy middle class:

Our calculator above helps you tweak these numbers. If you can't do ₹15k, try ₹5k for 25 years. The math still works in your favor due to compounding.

SIP vs. Lumpsum: Which is better?

Here is the cheat sheet:

• Choose SIP if: You have a monthly salary and want to automate your savings. It reduces risk by buying at different market prices (Rupee Cost Averaging).
• Choose Lumpsum if: You received a bonus, inheritance, or sold a property. Lumpsum usually beats SIP returns in a rising market, but it is riskier.