SIP investing
Invest a fixed amount every month and let it add up. Start, pause or step it up any time.
Your mutual fund investment partner, simplified
Invest with a plan.
Mutual funds, SIPs and tax saving, set up with Solid Wealth and tracked in your own app.
What we do
Everything your money needs.
Lumpsum
Put a bonus, maturity or savings to work in one go, in funds that match how long you can stay invested.
Tax saving (ELSS)
Claim up to Rs 1.5 lakh under Section 80C with a three year lock-in, the shortest among 80C options.
Goal planning
A home, a child’s education, retirement. Each goal gets its own plan and its own progress bar.
Portfolio review
Bring investments you made elsewhere. We show them in one view and go through them with you.
Risk analyzer
Answer a short questionnaire in the app to see your risk profile before you choose a fund.
How it works
Start in three steps.
- 1
Talk to us
Tell us what you are saving for and by when. A short call is enough.
- 2
Open your account
PAN, personal details, bank account and nominee, all on your phone. No paperwork.
- 3
Track it in the app
Every SIP, goal and statement in one place, whenever you want to look.
The Solid Wealth app
Your money, in your pocket.
See what you own, what it is worth and how each fund is doing. Check your risk profile, and start a SIP in a few taps.
Calculators
Work out your numbers.
SIP calculator
What a monthly SIP grows to.
₹
yrs
%
Maturity value
₹11,61,695
in 10 years
Invested₹6,00,000
Estimated returns₹5,61,695
See year by year
InvestedValue
| Year | Invested | Value |
|---|---|---|
| 1 | ₹60,000 | ₹64,047 |
| 2 | ₹1,20,000 | ₹1,36,216 |
| 3 | ₹1,80,000 | ₹2,17,538 |
| 4 | ₹2,40,000 | ₹3,09,174 |
| 5 | ₹3,00,000 | ₹4,12,432 |
| 6 | ₹3,60,000 | ₹5,28,785 |
| 7 | ₹4,20,000 | ₹6,59,895 |
| 8 | ₹4,80,000 | ₹8,07,633 |
| 9 | ₹5,40,000 | ₹9,74,108 |
| 10 | ₹6,00,000 | ₹11,61,695 |
A 2-page report with the method and schedule.
How it is worked out
Each instalment is invested at the start of the month and compounds monthly at the annual return divided by 12. Maturity = P × [((1 + i)n − 1) ÷ i] × (1 + i), where P is the monthly SIP, i the monthly rate and n the number of months. ₹5,000 a month for 10 years at 12% comes to ₹11,61,695.
With your numbers
FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i)- Monthly rate i = 12% ÷ 12 = 1.0000% (0.010000).
- Instalments n = 10 years × 12 = 120.
- Growth factor ((1 + i)^n − 1) ÷ i = 230.0387.
- Maturity = ₹5,000 × 230.0387 × 1.010000 = ₹11,61,695.
- You invest ₹6,00,000, so the estimated returns are ₹5,61,695.
Key numbers
Wealth multiplier1.94xValue ÷ amount invested
Total gain+93.6%Returns on what you invest
Returns share48%Of the maturity value
In today’s money₹6.49 LAt 6% inflation
Things to know
- Returns make up 48% of the maturity value. The longer you stay invested, the bigger that share gets.
- Stepping this SIP up by 10% every year would take it to about ₹16.87 L, 45% more.
- At 6% inflation, ₹11.62 L in 10 years buys about what ₹6.49 L buys today.
Step-up SIP calculator
A SIP that rises every year.
₹
%
yrs
%
Maturity value
₹16,87,163
₹5.25 L more than a flat SIP
Invested₹9,56,245
Estimated returns₹7,30,918
See year by year
InvestedValue
| Year | Invested | Value |
|---|---|---|
| 1 | ₹60,000 | ₹64,047 |
| 2 | ₹1,26,000 | ₹1,42,621 |
| 3 | ₹1,98,600 | ₹2,38,205 |
| 4 | ₹2,78,460 | ₹3,53,661 |
| 5 | ₹3,66,306 | ₹4,92,285 |
| 6 | ₹4,62,937 | ₹6,57,867 |
| 7 | ₹5,69,230 | ₹8,54,764 |
| 8 | ₹6,86,153 | ₹10,87,978 |
| 9 | ₹8,14,769 | ₹13,63,250 |
| 10 | ₹9,56,245 | ₹16,87,163 |
A 2-page report with the method and schedule.
How it is worked out
The SIP starts at the amount you enter and rises by the step-up percentage every 12 months. Each instalment compounds monthly from the day it goes in, so the result is the sum of every instalment's growth to the end date.
With your numbers
B(m) = (B(m − 1) + SIP(m)) × (1 + i)- Year 1 SIP is ₹5,000 a month. It rises 10% a year, reaching ₹11,790 a month in year 10.
- Each month the balance grows by i = 12% ÷ 12 = 1.0000%, then the next instalment is added.
- Over 120 months you invest ₹9,56,245 in total.
- The balance at the end is ₹16,87,163, of which ₹7,30,918 is returns.
- A flat SIP of ₹5,000 would reach ₹11,61,695, so the step-up adds ₹5,25,468.
Key numbers
Step-up bonus+₹5.25 LMore than a flat SIP
Wealth multiplier1.76xValue ÷ amount invested
Final monthly SIP₹11,790In year 10
In today’s money₹9.42 LAt 6% inflation
Things to know
- The step-up adds ₹5,25,468 over a flat SIP, for ₹3,56,245 more invested.
- Matching the step-up to your yearly pay rise keeps your savings rate steady as your income grows.
- Later, larger instalments have less time to compound, so starting early matters more than the size of the step-up.
Lumpsum calculator
What a one-time investment grows to.
₹
₹1 L
yrs
%
Future value
₹3,10,585
in 10 years
Invested₹1,00,000
Estimated returns₹2,10,585
See year by year
InvestedValue
| Year | Invested | Value |
|---|---|---|
| 1 | ₹1,00,000 | ₹1,12,000 |
| 2 | ₹1,00,000 | ₹1,25,440 |
| 3 | ₹1,00,000 | ₹1,40,493 |
| 4 | ₹1,00,000 | ₹1,57,352 |
| 5 | ₹1,00,000 | ₹1,76,234 |
| 6 | ₹1,00,000 | ₹1,97,382 |
| 7 | ₹1,00,000 | ₹2,21,068 |
| 8 | ₹1,00,000 | ₹2,47,596 |
| 9 | ₹1,00,000 | ₹2,77,308 |
| 10 | ₹1,00,000 | ₹3,10,585 |
A 2-page report with the method and schedule.
How it is worked out
A single amount compounds once a year at the return you enter. Future value = P × (1 + r)t, where r is the annual return and t the number of years.
With your numbers
FV = P × (1 + r)^t- Growth in one year = 1 + 12% = 1.1200.
- Over 10 years: 1.1200^10 = 3.1058.
- Future value = ₹1,00,000 × 3.1058 = ₹3,10,585.
- Estimated returns = ₹3,10,585 − ₹1,00,000 = ₹2,10,585.
Key numbers
Wealth multiplier3.11xValue ÷ amount invested
Doubles in~6.1 yearsAt 12% a year
Total gain+210.6%On the amount invested
In today’s money₹1.73 LAt 6% inflation
Things to know
- At 12% a year the money doubles about every 6.1 years (the rule of 72 gives 6.0).
- All of it is invested from day one, so the full amount compounds for the whole period.
- If markets look expensive, moving the money in over 6 to 12 months through an STP spreads out the entry.
SWP calculator
A monthly payout from a corpus.
₹
₹50 L
₹
yrs
%
Balance left
₹61,53,461
after 15 years of ₹30,000 a month
Total withdrawn₹54,00,000
Balance left₹61,53,461
See year by year
WithdrawnBalance
| Year | Withdrawn | Balance |
|---|---|---|
| 1 | ₹3,60,000 | ₹50,41,500 |
| 2 | ₹7,20,000 | ₹50,86,444 |
| 3 | ₹10,80,000 | ₹51,35,119 |
| 4 | ₹14,40,000 | ₹51,87,833 |
| 5 | ₹18,00,000 | ₹52,44,923 |
| 6 | ₹21,60,000 | ₹53,06,751 |
| 7 | ₹25,20,000 | ₹53,73,711 |
| 8 | ₹28,80,000 | ₹54,46,229 |
| 9 | ₹32,40,000 | ₹55,24,765 |
| 10 | ₹36,00,000 | ₹56,09,820 |
| 11 | ₹39,60,000 | ₹57,01,935 |
| 12 | ₹43,20,000 | ₹58,01,695 |
| 13 | ₹46,80,000 | ₹59,09,735 |
| 14 | ₹50,40,000 | ₹60,26,742 |
| 15 | ₹54,00,000 | ₹61,53,461 |
A 2-page report with the method and schedule.
How it is worked out
The corpus earns the annual return divided by 12 each month, and the withdrawal comes out at the end of the month. If the withdrawal is more than the corpus earns, the corpus runs down, and the result shows the month it runs out.
With your numbers
B(m) = B(m − 1) × (1 + i) − W- Monthly rate i = 8% ÷ 12 = 0.6667%.
- In month 1 the corpus earns ₹33,333 and ₹30,000 is paid out.
- The corpus earns ₹3,333 more than you take out, so it keeps growing.
- Withdrawals add up to ₹54,00,000 over 15 years.
- Balance left at the end: ₹61,53,461.
Key numbers
Withdrawal rate7.2% a yearOf the starting corpus
Total withdrawn₹54 L108% of the corpus
Balance left₹61.53 LCorpus kept intact
LastsAll 15 yearsAt 8% a year
Things to know
- At 8% the corpus earns about ₹33,333 a month to begin with. Withdrawing up to that keeps the capital intact.
- Tax applies only to the gains in each withdrawal, not the whole amount.
- A withdrawal rate below the return you expect leaves room for inflation and weak years.
Goal SIP calculator
The monthly SIP a goal needs.
₹
₹25 L
yrs
%
%
Monthly SIP needed
₹15,610
or ₹12.91 L invested once today
Goal cost in 12 years₹50,30,491
You invest₹22,47,900
Estimated returns₹27,82,591
See year by year
InvestedValue
| Year | Invested | Value |
|---|---|---|
| 1 | ₹1,87,325 | ₹1,99,959 |
| 2 | ₹3,74,650 | ₹4,25,278 |
| 3 | ₹5,61,975 | ₹6,79,173 |
| 4 | ₹7,49,300 | ₹9,65,268 |
| 5 | ₹9,36,625 | ₹12,87,647 |
| 6 | ₹11,23,950 | ₹16,50,911 |
| 7 | ₹13,11,275 | ₹20,60,247 |
| 8 | ₹14,98,600 | ₹25,21,497 |
| 9 | ₹16,85,925 | ₹30,41,245 |
| 10 | ₹18,73,250 | ₹36,26,910 |
| 11 | ₹20,60,575 | ₹42,86,852 |
| 12 | ₹22,47,900 | ₹50,30,491 |
A 2-page report with the method and schedule.
How it is worked out
The goal's cost today is first grown by inflation to the year you need it. The monthly SIP is then the instalment that reaches that amount at the return you enter, using the same monthly compounding as the SIP calculator.
With your numbers
SIP = Cost × (1 + f)^t ÷ ([((1 + i)^n − 1) ÷ i] × (1 + i))- Inflation factor = (1 + 6%)^12 = 2.0122.
- Goal cost in 12 years = ₹25,00,000 × 2.0122 = ₹50,30,491.
- ₹1 a month for 144 months at 12% grows to ₹322.25.
- Monthly SIP = ₹50,30,491 ÷ 322.25 = ₹15,610.
- Or invest ₹12,91,202 once today at 12% a year.
Key numbers
Monthly SIP₹15,610For 144 months
Goal cost then₹50.3 LAt 6% inflation
Cost grows2.01xOver 12 years
Returns share55%Of the goal amount
Things to know
- Starting a year later needs ₹18,318 a month instead of ₹15,610.
- With a 10% yearly step-up you could start at ₹10,012 a month and still reach the goal.
- Education and healthcare costs often rise faster than general inflation. Use a higher rate for those goals.
SIP delay cost calculator
What waiting to start costs.
₹
yrs
mos
%
Cost of waiting
₹12,38,225
by starting 1 year later
Value if you start today₹99,91,479
Value if you start later₹87,53,254
Lost to the delay₹12,38,225
See year by year
Start todayStart later
| Year | Start today | Start later |
|---|---|---|
| 1 | ₹1,28,093 | ₹0 |
| 2 | ₹2,72,432 | ₹1,28,093 |
| 3 | ₹4,35,076 | ₹2,72,432 |
| 4 | ₹6,18,348 | ₹4,35,076 |
| 5 | ₹8,24,864 | ₹6,18,348 |
| 6 | ₹10,57,570 | ₹8,24,864 |
| 7 | ₹13,19,790 | ₹10,57,570 |
| 8 | ₹16,15,266 | ₹13,19,790 |
| 9 | ₹19,48,215 | ₹16,15,266 |
| 10 | ₹23,23,391 | ₹19,48,215 |
| 11 | ₹27,46,148 | ₹23,23,391 |
| 12 | ₹32,22,522 | ₹27,46,148 |
| 13 | ₹37,59,311 | ₹32,22,522 |
| 14 | ₹43,64,180 | ₹37,59,311 |
| 15 | ₹50,45,760 | ₹43,64,180 |
| 16 | ₹58,13,782 | ₹50,45,760 |
| 17 | ₹66,79,208 | ₹58,13,782 |
| 18 | ₹76,54,392 | ₹66,79,208 |
| 19 | ₹87,53,254 | ₹76,54,392 |
| 20 | ₹99,91,479 | ₹87,53,254 |
A 2-page report with the method and schedule.
How it is worked out
Both SIPs end on the same date. One starts today, the other after the delay, so it gets fewer instalments and less time to compound. The cost of waiting is the difference between the two final values.
With your numbers
Cost = FV(P, i, n) − FV(P, i, n − d)- Start today: 240 instalments of ₹10,000 grow to ₹99,91,479.
- Start after 1 year: 228 instalments grow to ₹87,53,254.
- Cost of waiting = ₹99,91,479 − ₹87,53,254 = ₹12,38,225.
- You skip 12 instalments worth ₹1,20,000, and they would have grown into ₹12,38,225.
Key numbers
Cost of waiting₹12.38 LBy starting 1 year later
Corpus lost12.4%Of the start-today value
Per month of delay₹1.03 LOn average
Instalments skipped12₹1,20,000 not invested
Things to know
- To end with the same ₹99.91 L after waiting, you would need ₹11,415 a month instead of ₹10,000.
- The skipped ₹1,20,000 would have grown 10.3 times by the end, because the earliest instalments compound the longest.
- Starting small today beats starting bigger later. You can step the SIP up as your income grows.
For illustration only. Results depend on the return you enter and are not a promise of future returns.
About us
Who you will work with.
Solid Wealth
Solid Wealth helps individuals and businesses grow, protect and preserve their wealth through mutual fund investments. You get one team to call, a clear plan for each goal, and an app that shows every rupee.
- Mutual funds & SIPs
- Fund research
- Investors across India
Questions
Asked often.
Is my money safe with you?
Your money goes straight from your bank account to the fund house. We never hold it. Units are held in your name and every transaction is confirmed to you by CAMS or KFintech.
How much do I need to start?
Many funds accept a SIP from Rs 500 a month. The minimum depends on the scheme, and we will tell you before you invest.
Can I stop or change my SIP?
Yes. You can pause, stop, or increase a SIP at any time. There is no penalty from us, though some schemes carry an exit load on early redemption.
Is a SIP better than a lumpsum?
Neither is better every time. A SIP spreads your entry across market levels and suits money you earn monthly. A lumpsum puts the full amount to work at once, which helps when markets rise steadily afterwards. The calculators above show both.
What do I need to open an account?
Your PAN, personal details, bank account and a nominee. It is done online in the app in a few minutes, and you only do it once.
Can I see investments I made elsewhere?
Yes. Add your outside mutual funds to the app and they show next to the ones made with us.
Contact
Let’s talk.
Tell us your financial goals and we will help you build a plan for long-term growth.
- Emailsolidwealthy@gmail.com
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- Research & blogwww.solidwealthindia.com