A starting illustration
Five tiers run from Preserve to Long-term growth. A shorter horizon, lower loss comfort or a must-hit goal limits the equity share. A funding shortfall never increases risk.
PLAN WITH PURPOSE
Your life. Your pace. Your path.
A clear investment mix, with the reasons behind it.
Explore what time and consistent investing could do.
Separate illustrative scenario: this calculator starts with example assumptions, or restores a calculator scenario you edited in this browsing session. Questionnaire answers are not mapped to its tiers or inputs. Review each input; financial readiness and affordability are not assessed.
FUTURE PROJECTION
If you stay invested for 30 years
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Illustrations, not forecasts or probability bounds. Actual returns can be negative. Taxes and exit costs are excluded.
Money added · year 30
Simulated growth · year 30
Total value · year 30
MAKE IT YOURS
Small changes. A different future.
Extra money along the way
YOUR STARTING MIX
A path you can explain.
Why this tier?
The lowest of these limits decides the mix.
What each role contributes
Illustrative allocation · no scheme selectionAn allocation illustration is not a fund recommendation. Discuss suitability and affordability before investing.
CHECK THE GOAL
Will this plan reach the amount?
Enter the goal cost in today's rupees. Only surplus money should be invested. This is an accumulation plan; retirement withdrawals are not modelled.
Base scenario at your goal
Funding shortfall
If there is a gap, revisit savings, timing or the goal amount. A shortfall never raises your risk tier.
Inflation, market stress & exact yearly values
Core −35%, mid-cap −45%, small-cap −55%, stability −3%. Applied after that year's deposits, then normal assumptions resume. This is not a worst-case limit.
| Year | Money added | Lower | Base | Higher | Base in today's ₹ |
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How this illustration works
Understand the assumptions before the numbers.
The lowest limit from time horizon, comfort with losses and goal flexibility determines an illustrative mix. This calculator does not assess income, emergency savings, debt or capacity for loss.
Roles rather than scheme recommendations
The allocation is an illustration by investment role. It does not select funds. Discuss suitability, costs and implementation with AInvestX before making any investment decision.
Three assumed paths
Lower, base and higher values use the annual return assumptions below. They are not probabilities, forecasts or limits on possible losses. Taxes, withdrawals at the goal date and rebalancing are not modelled.
Your inputs stay here
Calculations run in this browser. Your inputs and the illustration are kept for this browsing session and included when you choose to discuss your path in Messenger. You can also download the scenario.
Illustrative annual return assumptions
| Role | Lower | Base | Higher |
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