Turn a monthly SIP into a long-term wealth engine.
Enter your monthly SIP, expected return and horizon. Vybe Money's SIP calculator uses accurate monthly compounding, supports annual step-up and blends returns across your actual mutual fund and ETF mix.
How the SIP formula works
A Systematic Investment Plan (SIP) invests a fixed amount every month into mutual funds. The future value uses monthly compounding, not annual. Vybe Money uses the exact formula: FV = P × [((1 + r)^n − 1) / r] × (1 + r), where r is the monthly return and n is the number of months. When you enable step-up, each year's monthly amount is scaled by (1 + step-up%).
Why step-up matters more than return chasing
A ₹15,000 monthly SIP at 12% CAGR for 30 years grows to about ₹5.3 crore. Add an 8% annual step-up — reasonable if your income grows at all — and the same SIP compounds to roughly ₹9.4 crore. That extra ₹4 crore comes from raising the contribution alongside your salary, not from picking a better fund.
Realistic return assumptions
Vybe Money defaults to 12% for pure equity, 7% for debt and 8% for gold, and computes a blended return from your actual portfolio weights. These are long-run assumptions, not guarantees. Nifty 50 total returns have averaged roughly 11–13% CAGR over 15-year rolling windows; the last decade has been higher, the previous one lower. Plan with 12%, be delighted by 14%, be prepared for 9%.
Connected to the rest of your plan
Unlike a one-off calculator, the SIP planner inside Vybe Money is wired to your income, expenses and retirement goal. It shows the required SIP to reach a target corpus by a given date, and it flags when your SIP capacity (savings rate × monthly income) doesn't cover the required SIP. Fix it once, and everything downstream updates.