SIP CALCULATOR

Systematic Investment Plans (SIPs) are one of the most disciplined and powerful ways to build long‑term wealth by investing fixed amounts over time. The Holdexa Goal‑Based SIP Calculator lets you estimate how your regular contributions will grow based on your chosen parameters such as risk profile, inflation, and investment period. It also helps you determine whether your current SIP plan will meet your financial goal or whether adjustments are needed. 

This guide walks you through every aspect of the calculator so you can:

• Understand what each input means 
• Use the tool effectively for planning 
• Decode the results and visualize investment growth
• Optimize your investment strategy
   

A SIP calculator is a financial tool that estimates how much your regular investments could grow over a period based on an assumed rate of return. Traditionally, SIP calculators focus on answering:

• How much will my SIP contributions be worth in the future?
• What will be the total amount invested?
• How much return might I expect given a chosen rate of return and duration?
   

Unlike a plain SIP calculator, the Holdexa version includes advanced options like risk profiles, annual step‑up, inflation adjustment, and Monte Carlo probability simulation. 

Most investors have a specific financial goal—whether it’s retirement corpus, child’s education, buying a home, or building wealth for early retirement. Goal‑based planning requires you to work backwards from your objective and determine how much you need to save to achieve that goal.

With the Holdexa Goal‑Based SIP Calculator, you can:

✔ See the inflation‑adjusted future value of your investments
✔ Know whether your current contribution plan is sufficient
✔ Determine the required SIP amount if your current plan falls short
✔ Assess goal achievement probability under market volatility
✔ Visualize year‑by‑year growth and compounding impact

This makes the calculator suitable for both beginners and experienced investors seeking clarity before committing money. 

Here’s a complete breakdown of what this calculator offers:

You can select your preferred currency symbol for display:

• ₹ Indian Rupee (INR)
• $ US Dollar (USD)
• € Euro (EUR)
• £ British Pound (GBP)
   

This makes the tool usable for a global audience.

You can choose from three risk profiles:

• Conservative – Lower risk, lower return 
• Moderate – Balanced risk and returns
• Aggressive – Higher risk, higher potential returns
   

Each risk level is tied to an expected annual return and volatility setting used in Monte Carlo simulation. 

You can select how often you contribute:

• Monthly 
• Quarterly
   

More frequent contributions compound differently and impact total value. 

A powerful feature allowing you to increase your SIP amount each year — mimicking real‑life income growth. 

All final values are adjusted for inflation so you get a realistic understanding of your investment’s future purchasing power. 

You can enter an expected capital gains tax rate. This adjusts post‑tax returns, providing a more accurate projection of take‑home corpus. 

This statistical technique runs multiple simulations with random return variations to estimate the probability of achieving the goal — adding depth and realism to planning. 

After calculating, you get:

• A line chart showing invested amount vs portfolio value year by year
• A detailed table with annual breakdowns
   

Both help you visualize investment behaviour over time. 

Below is a detailed, beginner‑friendly explanation of each input:

Select the currency symbol you want all values displayed in. This is for presentation only and does not affect the math. 

• Conservative: lower annual return, lower volatility 
• Moderate: balanced approach
• Aggressive: higher potential return, higher risk
   

This affects the assumed return and the Monte Carlo volatility. 

Choose how often you invest (monthly or quarterly). More frequent contributions generally result in smaller incremental compounding differences but may match real cash flow better. 

This is your current target value today — not inflated. The calculator will project the future goal based on inflation. 

Enter how many years until you need the money. Shorter goals demand higher contributions; longer periods benefit more from compounding. 

• Current SIP: the periodic investment amount
• Lump Sum: an optional one‑time initial investment that compounds from day one
   

If you expect to increase your SIP each year (e.g., 5%, 10%), add that here. Annual increases accelerate growth. 

Use this to estimate how taxes might reduce your total investment value upon maturity.

Inflation adjustment helps you know the real value of your investment goal at the time you need the money. 

This calculator merges financial formulas with realistic assumptions to provide meaningful results.

At the core is the compound interest principle:

Periodic investment grows each period at a rate converted from the annual expected return. 

The SIP amount increases by your chosen percentage annually.

After the investment period, gains are taxed using your entered capital gains tax rate before inflation adjustment.

The final future value is divided by inflation compounding to give “real value” — consistent with buying power at maturity. 

Random returns based on volatility produce a probability score representing how often the goal was met across numerous scenarios. 

Once you calculate, you’ll see:

This tells you what your final corpus is worth in today’s money.

The target future amount after considering inflation over the period.

✔ Goal Achieved or ❌ Shortfall.

If your plan falls short, the calculator suggests the monthly SIP needed.

Represents the likelihood (in percentage) of achieving the goal under simulated market conditions. 

Inputs:

• Goal ₹1.5 crore
• Years: 25
• SIP ₹15,000 per month
• Step‑up 5%
• Moderate risk
   

Outcome: Shows whether your contributions and strategy are sufficient, and how to adjust.