What is Plan Your Future?

Plan Your Future is a free AI-powered financial planning platform for Indian investors, powered by Investment DADA AI. It provides personalized guidance on Mutual Funds, SIP investments, Tax Planning under Section 80C, and Wealth Management strategies.

Is Plan Your Future free to use?

Yes, Plan Your Future offers free consultation and guidance via Investment DADA AI. You can chat with the AI advisor to get personalized investment recommendations without any charges.

What investment products does Plan Your Future cover?

Plan Your Future provides guidance on Mutual Funds, Systematic Investment Plans (SIP), Fixed Deposits, Bonds, Gold investments, and Tax-saving instruments under Section 80C through its Investment DADA AI advisor.

Can NRIs use Plan Your Future?

Yes, Plan Your Future specializes in NRI Investments and can help Non-Resident Indians understand investment options, tax implications, and wealth management strategies.

How can I start investing with Plan Your Future?

Simply visit www.planfuture.in and start chatting with Investment DADA AI. Share your financial goals, and the AI will provide personalized investment recommendations.

How much will a ₹10,000 monthly SIP grow to in 15 years?

At an assumed 12% annual return compounded monthly, a ₹10,000 SIP for 15 years invests ₹18 lakh and projects to roughly ₹50 lakh. Actual returns depend on market performance and are not guaranteed.

What return rate should I assume for an Indian equity SIP?

A conservative 10–12% a year is a common planning assumption for diversified equity mutual funds over 10+ years. Debt and hybrid funds are planned at lower rates. Past performance does not indicate future returns.

Is SIP better than lumpsum in India?

SIP spreads your entry across market levels, which reduces timing risk and suits salaried monthly cash flow. Lumpsum can do better when invested at a low valuation. This page calculates both so you can compare on the same inputs.

Is this calculator free to use?

Yes. Every Plan Future AI calculator is free, needs no sign-up, and runs entirely in your browser — none of the amounts you enter are stored.

Are the results investment advice?

No. Plan Future AI is an AMFI-registered Mutual Fund Distributor (ARN-194809), not a Registered Investment Adviser. Calculator output is educational and illustrative only; mutual fund investments are subject to market risks.

📈SIP / Lumpsum Calculator

Monthly SIP (₹)

Years

Expected Return (%)

₹18.00 L

Total Invested

₹32.46 L

Wealth Created

₹50.46 L

Future Value

The Wealth Zone ✨

This is the 'Sweet Spot' of Indian Equities over the last 20 years. By staying disciplined for 10+ years, you allow compounding to do the heavy lifting. Don't check the price every day!

Balanced Strategy

Time Power

🏆 The 8th Wonder: After year 12, your 'Wealth Gained' starts growing faster than your 'Total Investment.' This is the magic of compounding. Patience is your biggest asset.

+180%

vs Fixed Deposit (7%)

FD Value

₹31.88 L

SIP Edge

+₹18.58 L

SIP creates ₹₹18.58 L MORE than a Fixed Deposit over 15 years!

How It Works

A = P × [(1 + r)ⁿ − 1] / r × (1 + r)

P = Monthly SIP • r = Monthly rate (1.00%) • n = 180 months