About This Tool
This net worth calculator India combines three cash-flow engines HNIs actually use: a starting lumpsum, a monthly SIP that can rise each year, and an additional annual investment (bonus, surplus, ESOP proceeds). Results show total invested, projected corpus, IRR, and a year-by-year breakdown.
Your inputs
Results
Total Invested
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Projected Net Worth
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Wealth Gain
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IRR
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Year-by-year breakdown
| Year | Lumpsum Value | SIP Value | Additional Value | Annual SIP | Total Value |
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Ready to put these numbers to work?
Discuss your corpus, tax structure, or retirement timeline with our advisory team.
Book a Wealth Session →Frequently Asked Questions
How is this different from a plain SIP calculator?
It layers lumpsum growth, step-up SIPs, and annual additional investments with separate return assumptions, then reports IRR across all cash flows.
What does IRR mean here?
IRR is the annualised rate that equates all outflows (investments) with the final corpus — similar in spirit to XIRR when cash flows are timed within each year.
Can return rates differ across sleeves?
Yes — set lumpsum, SIP, and additional investment returns independently to reflect equity vs hybrid vs debt allocations.
Why include an annual SIP increase?
Income usually rises; stepping up SIPs keeps savings rate aligned with earnings and materially lifts terminal net worth.
Is this financial advice?
No. Figures are illustrative only. iVentures is a SEBI RIA — speak with an advisor before allocating capital.