The most important number in investing isn’t a return — it’s a date. See when a step-up SIP reaches your target … and how much a market crash moves that date, depending on when it strikes.
Your plan
Volatility guide: diversified equity ~15–18%, aggressive ~20–25%, hybrid ~8–10%. It only affects the range, not the steady estimate.
On a steady 12% path, you cross ₹1 crore around
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If markets are kind
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Typical path
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If markets are cruel
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Stress-test a crash
A war, a rate shock, a pandemic — drag a drawdown onto the journey and watch the date move.