It models up to five sequential investment stages. Each stage has its own tenure, monthly contribution and expected return. The closing balance at the end of one stage becomes the opening balance for the next, so compounding continues across life phases.

Monthly investments are assumed at the start of each month with returns compounded monthly — the same convention used in SIP calculators. This is an illustrative planning assumption, not a guarantee.

Yes. Set a different monthly investment for each stage — for example ₹5,000/month while studying, ₹15,000/month after starting work, and ₹25,000/month after a promotion.

Chaining lets you reflect different expected returns when you shift from conservative to aggressive assets, or when your contribution capacity changes. A single SIP assumes constant inputs throughout.

No. Market-linked mutual fund returns are not assured. SEBI requires mutual funds to state that investments are subject to market risks. Use conservative assumptions for planning.

No. Projected figures exclude capital gains tax, expense ratio, exit load and securities transaction tax. Actual redemption value will differ.

You can configure up to five stages. Unused stages can be left at zero years — they are ignored in the calculation.

Each calendar year within a stage shows opening balance, deposits during the year, returns earned and closing balance. Year numbers continue sequentially across stages.

Yes. Use successive stages: early years with a smaller monthly amount, later stages with a higher SIP and optionally a different return. Chaining stages mirrors how contributions often rise with income.

Create two stages with different expected returns and contribution levels. The ending value of stage one becomes the opening corpus for stage two. Illustrative only — actual fund returns vary.