Why early months count most
Money put in early has the longest time to grow. If you start ten years later and stop at the same age, the late plan simply has fewer years to grow. The gap at the end is what waiting cost. SEBI investor calculator (2024)
Nobody knows the future
India's Nifty 50 index, with dividends, grew about 12.5% a year since 1999. But any 10-year stretch could land anywhere from about 6% to 23% a year. That's why the calculator shows a low, middle and high path. The past is never a promise. Nifty 50 history (Bajaj AMC, Basunivesh) (2025)
Prices in India are expected to rise about 5% a year in 2026-27, so we show results in today's money. SBI Research, via The Tribune (2026)
Seeing your future self helps
In one study, people who saw an aged picture of themselves chose to save more for later. Picturing the person you'll be makes their needs feel real. Hershfield et al. (2011)
One small step for today
Pick the date your monthly saving starts, and put it in your calendar today.