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Free · 1-page PDF-ready sheet

Your 2026 retirement limits, on one page

401(k), IRA, Roth, HSA, and catch-up limits — plus the income phase-outs and withdrawal rules that trip people up.

  • 401(k), IRA, HSA, and SIMPLE limits for 2026
  • New age 60–63 “super catch-up” amount
  • Roth IRA income phase-outs by filing status
  • Early-withdrawal exceptions and RMD ages

It unlocks right here on the page — we don’t send emails. The Money Pocket (IZ Labs Kft.) stores your address and never sells it. Privacy policy.

SIP & Mutual Fund Investing Guide: Calculators for Indian Investors

Complete SIP investing resource for Indian investors. Calculate SIP returns, compare lumpsum vs SIP, plan step-up SIPs, adjust for inflation, and optimize your mutual fund strategy.

5 calculators
Gold SIP Calculator: Returns on Monthly Gold InvestingSIP Calculator With Inflation: Real ReturnsSIP Calculator: Mutual Fund SIP Returns

SIP & Mutual Fund Investing calculators

Free, private, and instant — every calculator runs in your browser.

CalculatorGold SIP Calculator: Returns on Monthly Gold InvestingGold SIP calculator for gold ETFs, gold funds, digital and physical gold. Estimate grams accumulated, value, costs and tax on a monthly gold investment.CalculatorSIP Calculator With Inflation: Real ReturnsCalculate inflation-adjusted SIP returns to understand real purchasing power. See how inflation erodes wealth and plan better investments.CalculatorSIP Calculator: Mutual Fund SIP ReturnsFree SIP calculator to calculate returns on mutual fund investments. Plan your systematic investment with accurate projections for Groww, SBI, HDFC & more.CalculatorSIP vs Lumpsum Calculator: Which Investment Is Better?Compare SIP vs lumpsum investment strategies. Free calculator shows which approach generates higher returns based on market conditions and your risk profile.CalculatorStep-Up SIP Calculator: Returns With Annual IncreaseFree step-up SIP calculator to calculate returns with annual increase in SIP amount. See how increasing your SIP by 10-15% yearly accelerates wealth creation.

Free · 1-page PDF-ready sheet

Your 2026 retirement limits, on one page

401(k), IRA, Roth, HSA, and catch-up limits — plus the income phase-outs and withdrawal rules that trip people up.

  • 401(k), IRA, HSA, and SIMPLE limits for 2026
  • New age 60–63 “super catch-up” amount
  • Roth IRA income phase-outs by filing status
  • Early-withdrawal exceptions and RMD ages

It unlocks right here on the page — we don’t send emails. The Money Pocket (IZ Labs Kft.) stores your address and never sells it. Privacy policy.

Curated byThe Money Pocket team
Updated

Systematic Investment Plans (SIPs) are the most popular wealth-building tool for Indian retail investors. By investing a fixed amount in mutual funds at regular intervals, SIPs harness rupee cost averaging to reduce the impact of market volatility and build wealth steadily over time.

How SIPs Work

A SIP automatically invests a fixed sum — typically monthly — into a mutual fund scheme. Units are purchased at the prevailing NAV (Net Asset Value) on the investment date. When markets are low, you buy more units; when markets are high, you buy fewer — averaging your cost over time.

This rupee cost averaging reduces the risk of investing a large sum at a market peak, making SIPs ideal for salaried investors who want consistent market participation without timing decisions.

SIP vs Lumpsum: Which Is Better?

Neither is universally superior. The choice depends on:

ScenarioBetter Option
Markets at all-time highs, high volatilitySIP (averages down over time)
Markets in a correction, with available capitalLumpsum (deploys more at lower prices)
Regular monthly incomeSIP (aligns with income cadence)
Annual bonus / inheritanceLumpsum or staggered deployment

For most investors, SIP is the practical choice because it removes behavioral risk — no need to time the market.

Step-Up SIP: The Wealth Accelerator

A step-up (or top-up) SIP increases your contribution by a fixed percentage each year — typically 10–15%. This mirrors natural income growth and dramatically accelerates wealth creation:

  • ₹10,000/month SIP at 12% CAGR for 20 years → ~₹99 lakh
  • Same SIP with 10% annual step-up → ~₹1.89 crore (+90%)

The step-up SIP calculator shows exactly how much more wealth this creates in your specific scenario.

Inflation-Adjusted SIP Returns

Nominal returns from SIPs can be misleading. A 12% return sounds impressive until you account for 6% inflation — leaving a real return of approximately 6%. Our inflation-adjusted SIP calculator shows your real purchasing power at the end of your investment horizon, not just the nominal corpus.

Gold SIP

Gold SIPs invest in Gold ETFs or Sovereign Gold Bonds at regular intervals. Gold historically provides:

  • Inflation hedge — preserves purchasing power over long periods
  • Portfolio diversification — low correlation with equities
  • Crisis protection — tends to rise during equity market stress

Financial advisors typically recommend a 5–15% allocation to gold within a diversified portfolio.

Related topics

Savings & Personal FinanceRetirement PlanningCapital Gains TaxEducation SavingsEstate PlanningFederal Income Tax