Calculadora de Plano de Investimento Sistemático (SIP)

Projete o patrimônio acumulado dos seus aportes mensais com reajuste anual opcional (Step-Up) e ajuste pelo poder de compra da inflação.

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Estimated SIP Maturity Value
USD 7,568,640.00
USD 7,569,000.00 (2.8× total capital invested)
Total Amount Invested USD 2,700,000.00
Estimated Wealth Gain USD 4,868,640.00
Inflation-Adjusted Corpus USD 3,158,129.00
Wealth Multiplier 2.8×
Parâmetros do Investimento
Amounts are treated in the selected currency; no foreign-exchange conversion is applied.
Switch across all 12 SIP modes right here, or click any dedicated tool in the SIP Suite bar above.
₹ / mo
Starting monthly SIP installment.
% p.a.
Assumed annualized portfolio return.
years
Number of years you continue the SIP.
% / yr
Optional annual percentage increase in your monthly SIP.
% p.a.
Used to compute real purchasing power in today’s rupees.
₹ INR
Used when Goal Target, Lump Sum Hybrid, SIP→SWP, or Real Wealth mode is selected.
Resultado e Gráficos Interativos
Estimated SIP Maturity Value
USD 7,568,640.00
USD 7,569,000.00 (2.8× total capital invested)
Total Amount Invested
USD 2,700,000.00
Estimated Wealth Gain
USD 4,868,640.00
Inflation-Adjusted Corpus
USD 3,158,129.00
Wealth Multiplier
2.8×

Invested Capital vs. SIP Wealth Gain

Year-by-year growth of cumulative SIP deposits and compounded returns
Graph 1 • Invested Capital vs. SIP Wealth Gain Year-by-year growth of cumulative SIP deposits and compounded returns
0 1.89M 3.78M 5.68M 7.57M Yr 1Yr 3Yr 5Yr 7Yr 9Yr 11Yr 13Yr 15
Graph 2 • Latest Period Component Values Values retain their calculator-defined labels and units.
Invested Principal (USD) 2,700,000 USD Compounded Returns (USD) 4,868,640 USD
Graph 3 • Projected Balance Under Return Assumptions Uses the entered 15-year horizon.
0 6.06M 12.1M 8.0%: 5,225,177 5.23M 8.0% 10.0%: 6,268,864 6.27M 10.0% 12.0%: 7,568,640 7.57M 12.0% 14.0%: 9,192,807 9.19M 14.0% 16.0%: 11,228,700 11.2M 16.0%
Summary: Total invested capital over 15 years is USD 2,700,000.00 and estimated returns are USD 4,868,640.00.
Summary: Investing USD 15,000.00/month at 12% p.a. for 15 years builds an estimated corpus of USD 7,568,640.00 (USD 7,569,000.00). Out of this, USD 2,700,000.00 is your invested principal and USD 4,868,640.00 is compounded market growth.

Fórmula de Anuidade Antecipada (SIP)

FV = P × [(1 + i)n − 1i] × (1 + i)where i = r12 × 100,   n = 12 × Years
FV = P × [ ((1 + i)^n − 1) / i ] × (1 + i), where i = r / 12

Exemplo Prático: Aporte de 15.000/mês a 12% ao ano por 15 anos

Investindo 15.000 por mês durante 180 meses (total investido de 2.700.000) a 12% ao ano, o montante acumulado atinge 7.568.640.

Perguntas Frequentes (FAQ)

Qual é o impacto de aumentar o aporte anualmente (Step-Up)?

Elevar o aporte mensal em 10% a cada ano praticamente dobra o patrimônio acumulado ao longo de 15 a 20 anos.