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SIP Shield Calculator

Let your SIP pay your premiums, EMIs & recurring costs — forever.

Client Details

Client Name

Current Age

years

20 years70 years

Your Recurring Costs

Cost 1

Cost Type

Label

Payment Amount

Rs.

Rs.0Rs.25,00,000

Payment Frequency

Total Tenure

years

5 years50 years

Already Paid

years

0 years29 years

Your SIP Strategy

SIP Frequency

SIP Amount (per month)

Rs.

Rs.1,000Rs.10,00,000

SIP Duration

years

5 years40 years

Expected SIP Return

% p.a.

8 % p.a.18 % p.a.

Step-Up SIP

Step-Up Percentage

0 %25 %

Growth Phase

Withdrawals start immediately after SIP phase

Withdrawal Phase Return

% p.a.

5 % p.a.12 % p.a.

Enable SWP (Additional Income)

No additional withdrawals beyond recurring costs

Lumpsum Events

One-time investments or withdrawals during the plan

Your Existing Investments

Track MFs, FDs, PPF, EPF, NPS, stocks & more alongside your SIP

Include Existing Investments

Post-Retirement Regular Income

Pension, rental, freelance & other recurring inflows — reduces corpus drawdown

Include Regular Income

Total SIP Invested

Rs. 12.83 L

Corpus Pays Your Cost

Rs. 4.50 L

Net Benefit

Rs. 84.02 L

Benefit Multiple

6.55x

Your SIP Shield Timeline

Phase 1 · SIP Phase

You invest Rs.5,000/month for 12 years

You also pay term insurance premium from pocket

Growth phase disabled — withdrawals start immediately after SIP

Shield Active

Phase 3 · Shield Active

Corpus pays your term insurance premium

You pay NOTHING from pocket

Corpus Growth Over Time

Money Flow Summary

What You Paid From Pocket

SIP InvestmentRs. 12.83 L

Term Insurance Premium (pocket)Rs. 3.00 L

Total Out-of-PocketRs. 15.83 L

What Your Corpus Delivered

Term Insurance Premium (corpus)Rs. 4.50 L

Remaining CorpusRs. 92.35 L

Total Value CreatedRs. 96.85 L

NET BENEFIT

Rs. 84.02 L

Your SIP strategy creates wealth beyond covering your costs

Expert Insights

SIP Corpus Built

Your SIP of Rs.5,000/month for 12 years builds a corpus of Rs.25.45 L.

Freedom From Pocket Payments

From year 13 onwards, your corpus pays Rs.25,000/year in recurring costs — you never pay from pocket again.

Total Cost Covered By Corpus

Over the full tenure, your corpus pays Rs.4.50 L in recurring costs while you invested only Rs.12.83 L — a 0.4x return.

Bonus Wealth Remaining

After all payments are covered, you still have Rs.92.35 L left — that's your bonus wealth.

Step-Up SIP Advantage

With 10% annual step-up, your total investment is 78% higher than a flat SIP — compounding amplifies this further.

Tax Benefit

Term plan premium qualifies for Section 80C deduction (up to Rs.1.5L/year). Combined with SIP in ELSS, you can maximize your 80C benefit.

Free Money Every Year

This strategy is equivalent to getting Rs.25,000 FREE every year for 18 years.

Net Benefit

Your total out-of-pocket SIP is Rs.12.83 L but the strategy delivers Rs.96.85 L in value — Rs.84.02 L net benefit.

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.

The information provided on this platform is for educational purposes only and should not be considered as financial advice. Please consult a qualified financial professional before making investment decisions.

AMFI Registered Mutual Fund Distributor and SIF Distributor; APMI Registered PMS Distributor | ARN-286886

Next Step

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Trustner Asset Services Pvt. Ltd. · AMFI ARN-286886 · No obligation, no charges