What is a SIP calculator?

A SIP (Systematic Investment Plan) calculator helps you estimate the returns on your monthly mutual fund investments over time, based on expected annual returns and investment duration. It uses compound interest to project your final corpus.

How much should I invest in SIP per month?

The ideal SIP amount depends on your financial goals, income, and timeline. Use Cura Capital's free SIP calculator to work backwards from your goal — enter the target corpus and see how much you need to invest monthly.

What is the difference between SIP and lump sum investment?

A SIP invests a fixed amount monthly, averaging out market volatility (rupee cost averaging). A lump sum invests a large amount at once. SIPs are ideal for salaried investors; lump sum is better when you have a windfall and markets are at a low.

How much corpus do I need to retire in India?

A general rule is to have 25-30 times your annual expenses as your retirement corpus. Use Cura Capital's retirement calculator to estimate your target corpus based on current age, retirement age, monthly expenses, and expected inflation.

How much more wealth can I build with a financial advisor vs self-managing?

Based on AMFI's standard equity illustration rate of 12% p.a. (benchmark for self-managed index investing) vs a 15% p.a. advisory target (12% + 3% alpha per NISM guidance), professional advisory can add 34–40% more to your retirement corpus over a 25-year period. Use Cura Capital's free Advisory Impact Calculator to see the exact rupee difference for your age and monthly investment.

What is the Advisory Impact Calculator?

Cura Capital's Advisory Impact Calculator compares two scenarios side-by-side: self-managed index investing at 12% p.a. (AMFI standard equity illustration rate) versus professionally advised investing at 15% p.a. (within NISM's guidance range for alpha). Enter your current age, retirement age, monthly investment, and existing savings to see the projected additional corpus in rupees.

Empower Your Decisions

Smart financial calculators to plan investments, retirement, and wealth goals with clarity and confidence.

SIP Calculator

Monthly Investment

₹500₹10,00,000

Investment Duration

1 yr30 yrs

Expected Annual Return

6%30%

Estimated Maturity Value

₹0

at maturity

Total Invested₹0

Estimated Returns₹0

Discuss with an Expert

Returns shown are illustrative and based on the assumed rate of return entered above. Actual returns may vary. Past performance is not indicative of future results. Mutual fund investments are subject to market risks — please read all scheme-related documents carefully.

Lump Sum Calculator

Investment Amount

₹10,000₹1 Cr

Investment Duration

1 yr30 yrs

Expected Annual Return

6%30%

Estimated Maturity Value

₹0

at maturity

Amount Invested₹0

Estimated Returns₹0

Discuss with an Expert

Retirement Calculator

Current Age

20 yrs55 yrs

Retirement Age

40 yrs70 yrs

Monthly Expenses Today

₹10,000₹5,00,000

Expected Inflation Rate

3%12%

Expected Return on Investment

6%20%

Retirement Corpus Needed

₹0

at retirement

Years to Retirement—

Monthly SIP Needed₹0

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Figures shown are illustrative projections based on inputs entered above. Actual corpus required and SIP amounts may vary with inflation, returns, and life expectancy. Past performance is not indicative of future results. Investments are subject to market risks.

Wealth Goal Calculator

Target Wealth

₹1 L₹10 Cr

Time Horizon

1 yr30 yrs

Expected Annual Return

6%30%

Monthly SIP Required

₹0

per month to reach your goal

Or Lump Sum Today₹0

Discuss with an Expert

Advisory Impact Calculator

See how professional advisory changes your retirement corpus — compared to a self-managed index strategy.

Current Age

20 yrs55 yrs

Retirement Age

40 yrs70 yrs

Monthly Investment

₹5,000₹5,00,000

Current Savings

₹0₹1 Cr

Corpus at Retirement

Active management adds

₹0

more to your retirement corpus

Discuss with an Expert

Benchmark: 12% p.a. — AMFI standard equity illustration rate (SEBI/AMFI circular). Advisory target: 15% p.a. (+3% p.a. alpha, within NISM-prescribed guidance range). Figures are illustrative projections only and not a guarantee of returns. Actual returns will vary. Past performance is not indicative of future results. Mutual fund investments are subject to market risks — please read all scheme-related documents carefully.

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