How To Use The Wealth Projection Tool
Invest ₹15,000 a month for 15 years at 15% returns, and you get ₹1 crore. That’s the promise everyone repeats. But that ₹1 crore, 15 years from now, will not buy what ₹1 crore buys today — and once you account for tax, it’s worth even less.
This tool shows you exactly what your SIP is really worth in today’s terms, and what it actually takes to build wealth that carries the same purchasing power as the number you’re chasing. Enter your monthly SIP, investment horizon, and expected return below to run your own reality check.
Frequently Asked Questions
What is the 15-15-15 rule?
It’s a popular savings formula that says if you invest ₹15,000 a month for 15 years at a 15% annual return, you’ll end up with roughly ₹1 crore. It’s a useful rule of thumb, but it treats 15% as a guaranteed, flat return every single year, and it ignores tax and inflation entirely.
Why does this tool show a different number than ₹1 crore?
The ₹1 crore figure is the nominal amount — the raw rupee value your SIP grows to. This tool then subtracts the tax you’d pay on withdrawal, and discounts what’s left back to today’s value. What you’re left with is what that money is actually worth to you right now, not 15 years from now.
Why do you use a 7% discount rate?
7% is roughly what a bank fixed deposit pays you today, risk-free. Using it as the discount rate answers a simple question: if someone offered you a lump sum 15 years from now, what amount of cash today would be equally attractive? That’s your real worth today.
How is tax calculated?
The tool applies long-term capital gains tax at 12.5% on gains above the ₹1.25 lakh exemption, based on current tax rules. Tax is applied to the nominal (actual) gains, since that’s how tax law works — you’re taxed on real rupees, not inflation-adjusted ones.
What is the “Real Target” and why is it higher than my original goal?
If you want your future corpus to have the same purchasing power that your original target has today, you need to aim for a bigger number, since money loses value over time. The Real Target is calculated by growing your original nominal goal forward using the same 7% rate, so that once it’s discounted back, it still holds today’s value.
What is a SIP step-up, and how does Path B work?
A step-up means increasing your monthly SIP by a fixed percentage every year, instead of investing the same amount throughout. Path B shows you the annual step-up percentage needed to reach the Real Target while keeping your starting SIP unchanged.
Is this tool financial advice?
No. This tool is for educational purposes to help you understand how inflation and tax affect long-term SIP goals. It uses fixed, general assumptions and does not account for your personal tax slab, asset allocation, or financial situation. Please consult a qualified financial advisor before making investment decisions.
Does this tool store or share my data?
No. All calculations happen instantly in your browser. Nothing you enter is saved, stored, or sent anywhere.