SIP Calculator Wealth Planner Icon

SIP Calculator Wealth Planner

Calculate mutual fund returns with precision. Track SIP investments, compare schemes, and plan retirement with advanced projection tools.

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Real-time NAV updates included

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No Setup Required
Free Portfolio Tracker
WEALTH20
  • Track unlimited SIP investments
  • Real-time portfolio valuation
  • Valid for lifetime access
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Instant Analysis
Fund Comparison Pack
COMPARE50
  • Compare up to 10 funds side-by-side
  • Historical performance charts
  • Risk-return analysis included
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All features subject to data availability. Premium tools require account creation. Historical data provided for informational purposes only. Past performance does not guarantee future results.

How It Works

SIP Calculator Wealth Planner processes your investment parameters through compound interest algorithms that account for monthly contributions, expected returns, and time horizons. The engine calculates future value using the formula FV = P × [(1 + r)^n - 1] / r × (1 + r), where systematic investment plans accumulate wealth through rupee cost averaging.

The calculator integrates real-time NAV data from mutual fund houses to provide accurate current valuations. When you input monthly SIP amount, investment duration, and expected annual return rate, the system generates projected corpus values, total invested amount, and wealth gained. The lump sum calculator runs parallel computations for one-time investments using simple FV = PV × (1 + r)^n methodology.

Goal-based planning modules reverse-engineer required monthly investments by working backward from target corpus amounts. The retirement planner factors in inflation rates, post-retirement expenses, and life expectancy to determine adequate corpus size. Tax-saving calculators identify ELSS fund contributions that qualify for Section 80C deductions up to 1.5 lakh rupees annually.

Verified Specifications

Version 3.2.1
Size 8.4 MB
Developer FinTech Solutions Inc
Category Finance & Investment
Age Rating Everyone
Requirements Android 6.0+
Languages English, Hindi
Last Updated 30.07.2026
Released July 2026

Core Capabilities

📊

SIP Return Calculator

Compute exact future value of systematic investment plans with monthly contribution amounts ranging from 500 to 1 lakh rupees. Adjust expected annual returns between 8% and 18% to model different fund performance scenarios. View breakup of invested capital versus wealth appreciation in graphical format.

🎯

Goal-Based Planning

Define financial targets like child education corpus of 50 lakhs in 15 years or house down payment of 30 lakhs in 7 years. The calculator determines monthly SIP amount needed to reach each goal based on expected market returns. Track multiple goals simultaneously with separate calculation sheets.

💰

Lump Sum Investment

Calculate growth of one-time investments across time periods from 1 year to 30 years. Compare lump sum versus SIP returns side-by-side to identify optimal investment strategy. Factor in dividend reinvestment and capital gains taxation for accurate net return projections.

🏦

Retirement Corpus Estimator

Input current age, retirement age, monthly expenses, and life expectancy to calculate required retirement fund size. The planner accounts for 6% annual inflation on expenses and generates monthly SIP recommendation to build adequate corpus. View year-by-year corpus depletion schedule for post-retirement phase.

📈

Fund Comparison Tool

Analyze up to 10 mutual fund schemes simultaneously across parameters like 3-year returns, 5-year returns, expense ratio, and Sharpe ratio. Filter funds by category including large cap, mid cap, small cap, hybrid, and debt funds. Access historical NAV charts and rolling return data for performance evaluation.

💼

Portfolio Tracker

Maintain complete record of all mutual fund holdings with folio numbers, scheme names, units held, and purchase NAV. The tracker fetches current NAV daily to compute present portfolio value and absolute returns. Export portfolio summary as PDF for tax filing and financial planning consultations.

Calculation Systems

Investment Calculation Engine

  • Compound interest formula applies monthly compounding frequency for SIP calculations with adjustment factor (1 + r) to account for beginning-of-period contributions
  • Inflation adjustment module converts future corpus values into present-day purchasing power using deflation factor (1 + inflation_rate)^-years
  • Tax impact calculator reduces gross returns by 10% LTCG tax on gains exceeding 1 lakh rupees and 15% STCG tax on equity funds held under 1 year
  • Step-up SIP feature increases monthly contribution by fixed percentage annually to model salary increments and growing investment capacity over time

Data Integration Systems

  • Real-time NAV feed pulls daily net asset values from AMFI database for 2000+ mutual fund schemes across equity, debt, and hybrid categories
  • Historical performance data retrieves 10-year trailing returns, rolling returns, and CAGR metrics for comparative analysis between fund schemes
  • Expense ratio database maintains updated total expense ratios for all schemes to calculate impact of fees on long-term wealth accumulation
  • Benchmark comparison engine matches fund performance against relevant indices like Nifty 50, Sensex, and Nifty Midcap 100 to assess alpha generation

About the Developer

Developer: FinTech Solutions Inc

Version: 3.2.1 released July 2026

Platform: Android 6.0 and above

Category: Finance tools for retail investors and financial planners

Start Building Your Wealth Today

Free download for Android. No account required to use basic calculators. Install completes in under 60 seconds.

Download for Android

Compatible with Android 6.0 and higher. Contains ads. Suitable for all ages. Premium features available via in-app purchase.