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Compound interest is interest earned on both your original money and on the interest it has already earned. Over long periods this "interest on interest" is what makes money grow exponentially rather than in a straight line. The more frequently interest compounds (daily vs yearly) and the longer you stay invested, the larger the effect.
A SIP means investing a fixed amount every month — typically into a mutual fund. It builds wealth through discipline and rupee-cost averaging (you buy more units when prices are low and fewer when high). A small monthly amount, invested consistently for 15–20 years at market returns, can grow into a substantial corpus. A "step-up" SIP increases your contribution by a set percentage each year as your income grows.
A SWP is the reverse of a SIP. You have a lump sum (a corpus) and withdraw a fixed amount every month for income, while the remaining balance keeps earning returns. It's commonly used in retirement to draw a regular "salary" from your investments. If your withdrawals are smaller than your returns, the corpus can even keep growing.
Most people's financial journey has two phases: build wealth while working (SIP), then draw an income after retiring (SWP). The Lifecycle planner models both at once — invest monthly for, say, 15 years to build a corpus, then switch to monthly withdrawals for the next 25 years — so you can see whether your plan lasts.
An EMI is the fixed monthly payment on a loan, covering both interest and principal. A Fixed Deposit (FD) grows a one-time deposit at a fixed rate; a Recurring Deposit (RD) does the same for a fixed monthly deposit. The Goal planner works backwards from a target amount to tell you the monthly SIP or lumpsum needed. The Inflation calculator shows how rising prices erode the purchasing power of money over time — vital for realistic long-term planning.
All results are estimates based on the inputs and assumed constant returns. Real-world returns fluctuate. This tool is for education only and is not financial advice.