How long until you reach your financial goal? Enter current savings, monthly SIP and target corpus — get the exact timeline with inflation adjustment and 3 scenario comparisons.
Time is the single most powerful variable in wealth creation. Thanks to compounding, starting 5 years earlier has more impact than doubling your monthly investment. A 25-year-old investing ₹5,000/month for 35 years accumulates significantly more than a 35-year-old investing ₹15,000/month for 25 years — despite investing far less total money. Understanding your investment horizon helps you choose the right asset allocation and set realistic expectations.
With ₹10,000/month SIP at 12% returns: approximately 21 years. With ₹20,000/month: about 17 years. With ₹50,000/month: about 12 years. Starting earlier beats increasing SIP — a 5-year head start is worth more than doubling your monthly investment due to compounding.
Inflation erodes the real value of your goal. If your target is ₹1 crore today but you invest for 15 years at 6% inflation, the inflation-adjusted target becomes ₹2.4 crore. Always plan for the inflation-adjusted corpus. The calculator shows both your nominal target and the inflation-adjusted amount you should actually be targeting.
For 3 years or less: debt mutual funds (short duration, liquid funds), FDs with auto-renewal, RBI Floating Rate Bonds, or Arbitrage Funds (taxed as equity but stable as debt). Never invest short-term money in equity funds — markets can fall 40% and take 2-3 years to recover. Protect capital for short horizons.
For 15 years, a Nifty 50 Index Fund or large-cap flexi-cap fund (12% expected CAGR) works well. Use our calculator: to reach ₹1 crore in 15 years at 12%, you need ₹22,000/month. For ₹50 lakhs, it's ₹11,000/month. Review and step-up your SIP by 10% every year for best results.
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