RealValue SIP Engine

Plan your systematic investment with real (inflation-adjusted) value projections and comprehensive growth visualizations.

📅 🔧 Interactive Tool

About RealValue SIP Engine

RealValue SIP Engine helps you plan how much to invest, for how long and with what step-up, while clearly showing the post-inflation, post-tax outcome.

The RealValue SIP Engine is not just another SIP calculator — it is a goal-driven, real-world investment engine built for serious Indian investors. Unlike traditional SIP calculators that show inflated future numbers, RealValue focuses on what your money is actually worth after inflation and taxes.

One Engine. Every SIP Use Case.

Whether your goal is time-based, money-based or a combination of both, RealValue adapts automatically.

Use Cases

Looking for practical examples? Check out our comprehensive guide with 8 Real-World Use Cases covering:

  • Retirement Planning
  • Child’s Education Goals
  • House Down Payment
  • Early Retirement (FIRE)
  • Lumpsum Investment Growth
  • Career Break Planning
  • Investment Strategy Comparison
  • Opportunity Cost Analysis
  • Etc.,

Each use case includes pre-configured scenarios you can explore with a single click.

🔹 Supported Goal Modes

Target Mode What does it answer?
Time “If I invest for 10 years, how much will my portfolio be worth in real terms?”
Money “How long I need to reach ₹5 Cr for starting SIP of ₹50k?”
Time & Money “How much should I invest monthly to reach ₹5 Cr in 15 years?”

🔹 Multi-Dimensional Investment Engine

RealValue SIP Engine replaces multiple calculators with a single intelligent engine.
It dynamically combines multiple dimensions:

  • SIP, Lumpsum, or SIP + Lumpsum
  • Target Time, Target Money, or Both
  • SIP Step-Up (included)

One RealValue SIP Engine replaces 14 SIP/Lumpsum Calculators,

  • SIP Calculator
  • Step-Up SIP Calculator
  • Target Amount SIP Calculator
  • Target Amount Step-Up SIP Calculator
  • Target Time & Target Amount SIP Calculator
  • Target Time & Target Amount Step-Up SIP Calculator
  • Lumpsum Calculator
  • Target Amount Lumpsum Calculator
  • Lumpsum + SIP Calculator
  • Lumpsum + Step-Up SIP Calculator
  • Target Amount Lumpsum + SIP Calculator
  • Target Amount Lumpsum + Step-Up SIP Calculator
  • Target Time & Target Amount Lumpsum + SIP Calculator
  • Target Time & Target Amount Lumpsum + Step-Up SIP Calculator

🔹 Built for Real Life (Not Marketing Numbers)

  • Inflation-adjusted real value results
  • Exit tax applied at the end
  • Annual salary hike & SIP step-up support
  • Month-wise contribution and growth tracking

Why RealValue SIP Engine?

  • Designed specifically for Indian investors
  • Supports crores, lakhs and real Indian tax scenarios
  • Shows true purchasing power, not misleading future values
  • One engine for every financial goal

Because wealth is not about big numbers — it’s about real value.

Help

🎯 Define Your Investment Goals

Target Selection

Toggle between three modes

Mode Usage
Target by Time Calculate portfolio value after a specific time period
Target by Money Calculate time needed to reach a target amount
Target by Both Calculate required monthly SIP to reach target amount in given time

Time Period

  • Time Period Value: Duration for investment
  • Unit: Choose Years or Months
  • Used in “Time” and “Both” target modes

Target Amount

  • Target Amount Value: Your financial goal amount
  • Unit: Choose between Crores, Lakhs, or Thousands
  • Used in “Money” and “Both” target modes

Start Month

  • Select the month when you plan to start/started investing
  • Helps in generating monthly contribution schedule

Current Investment

  • Current Investment Value: Your existing investment amount today
  • Unit: Choose between Crores (Cr), Lakhs (L), or Thousands (K)
  • Set to 0 if you’re starting fresh with no existing investment

Monthly SIP Investment

  • Monthly Investment Value: Amount you plan to invest every month
  • Unit: Choose between Crores, Lakhs, or Thousands
  • This field is used when calculating by Time or Money targets
  • For “Both Targets” mode, this becomes an output field (required monthly SIP)

Growth Parameters

  • Expected CAGR (%): Your estimated annual growth rate (e.g., 12% for equity funds)
  • Yearly Hike (%): Annual increase in your SIP amount (e.g., 10% means ₹20,000 becomes ₹22,000 next year)
  • Inflation Rate (%): Expected annual inflation to calculate real value (typically 5-7% in India)
  • Tax Rate (%): Capital gains tax rate for post-tax calculations (15% for equity LTCG above ₹1.25L)

Understanding the Results

Investment Inputs Section

Shows all your input parameters in an organized format

Target Results Section

  • Total Investment (Nominal): Sum of all contributions without inflation adjustment
  • Portfolio Value (Nominal): Expected value at the end without inflation adjustment
  • Total Investment (Real): Present value of all contributions adjusted for inflation
  • Portfolio Value (Real): Inflation-adjusted value showing actual purchasing power
  • Portfolio Value (Post-Tax Real): Real value after accounting for capital gains tax

Toggle Post Tax to see after-tax values across all views.

Investment and Growth Chart

  • Visual representation of investment accumulation vs portfolio growth
  • Accumulated Investment: Your cumulative contributions (golden line)
  • Portfolio Value: Total value including growth (green line)
  • Toggle between Yearly and Monthly granularity
  • Switch between Nominal (face value) and Real (inflation-adjusted) views

Monthly Investment Plan

  • Detailed breakdown of each period’s contribution and growth
  • Export data as JSON for further analysis
  • Switch between table and chart views

Monthly Contribution Chart

  • Bar chart showing contribution amounts over time
  • Helps visualize the impact of yearly SIP hikes
  • Toggle between Nominal and Real views

Tips for Using the Tool

  1. Use Real Values for Planning: Always check the “Real” view to understand actual purchasing power
  2. Consider Post-Tax: Enable “Post Tax” toggle for more realistic retirement/goal planning
  3. Experiment with Hikes: Even a 5-8% annual SIP increase significantly boosts wealth
  4. Review Yearly Data: Switch to yearly granularity for long-term clarity
  5. Start Month: Use actual start month for accurate contribution schedules
  6. Conservative CAGR: Use 10-11% for equity, not 15-18%, for realistic planning
  7. Inflation Buffer: Use 6-7% inflation for India, not 4-5%, for safety margin