SIP Calculator
Estimates how a fixed monthly investment may grow over time using your monthly amount, expected annual return, and investment duration.
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Use PayGain Pulse as a financial calculator hub for SIP, retirement, SWP, insurance, and premium planning decisions in India.
Calculator hub for India
PayGain Pulse helps Indian families estimate investment growth, future income, and protection needs before a consultation.
Plan SIPs, step-ups, and long-term wealth creation easily.
Calculate human life value and health cover needs.
Compare retirement corpus and monthly withdrawal limits.
SIP and Lumpsum: estimates invested amount, returns, and maturity value using expected annual return and duration. Example: a monthly SIP can show how disciplined investing may build a future corpus.
Retirement Corpus: uses current expenses, inflation, working years, retirement years, and expected corpus return to estimate future retirement needs.
Step-Up SIP: adds a yearly increase to SIP contributions so the plan can grow with income. Formula uses monthly compounding and annual SIP increases.
SWP Income: projects monthly withdrawals from a corpus after assumed monthly growth. It helps frame future income discussions.
Human Life Value and Term Cover: estimate protection needs from income, liabilities, savings, and existing cover. They are planning tools, not insurer quotes.
All calculators are for education and consultation preparation. PayGain does not issue instant quotes or guarantee returns through this page.
PayGain Pulse Planning Guides
Select a guide below to understand what inputs matter before a consultation.
Estimates how a fixed monthly investment may grow over time using your monthly amount, expected annual return, and investment duration.
Instead of keeping the same SIP forever, you choose a starting SIP amount and a yearly increase percentage to match income growth.
Planning comparisons
These comparisons help turn a calculator result into a clearer discussion. The right answer depends on your income stability, risk comfort, family responsibilities, liquidity needs, and official product terms.
SIP spreads investment across months and can suit salaried cash flow. Lumpsum invests a larger amount at once and may suit an existing surplus. Use both calculator modes to compare discipline, timing risk, and goal value.
A flat SIP keeps monthly contribution constant. A step-up SIP increases the amount yearly and may fit income growth. Compare both to see whether a small yearly increase can reduce the gap to a large future goal.
SWP may offer flexible withdrawals from a market-linked corpus, while FD income is simpler but rate-dependent. Compare expected income, risk, liquidity, taxation, and capital stability before choosing.
Term insurance focuses on high protection at a relatively low premium. Savings plans combine protection with maturity benefits. Use the term cover estimate first, then review whether savings goals need a separate product.
Health insurance can protect against large hospitalization costs, while an emergency fund covers deductibles, exclusions, non-medical expenses, job loss, or cash-flow gaps. Most families need both, sized around their city, hospital preference, income, and dependents.