Excel+Python Wealth Tracker
When I first began exploring personal finance, I stumbled upon a question many young people ask:
How much should I invest monthly to build ₹1 crore in 20 years?
As a 21-year-old aspiring data scientist, I decided to stop guessing and start modelling. What came out of this curiosity was a full-fledged data project that combined real mutual fund data, SIP simulations, and projection visualizations — all created using Python, Excel, and publicly available AMFI data.
And so, I wanted to make sure I reach the corpus of 1 crore with a time duration of 20 years. Also, I’m a big fan of Ankur Warikoo, the author of famous books like Do Epic Shit and Make Epic Money. In his YouTube videos, he always talks about how mutual funds make it easier to attain wealth in a safer side, and so I went ahead with it.
The Investor Profile
To make the project practical, I built the investment plan around a realistic profile — someone like me:
- Age: 21
- Annual income: ₹3,84,000
- Risk tolerance: Medium-to-high
- Investment horizon: 20 years
- Monthly SIP: Starts at ₹7,500
- SIP Step-up: 5% annually
- Target corpus: ₹1 crore+
This wasn’t just a personal finance experiment — it became an exercise in data modelling, financial forecasting, and goal-oriented analytics.
The average salary that a Indian gets is 3,84,000 per annum and so this is what I chose to go forward with. The in-hand salary would be 29,500 to 31,400 monthly that makes it 3,54,800 to 3,77,000 yearly.
With just keeping 7500 rupees per month for my personal savings and an annual step up of 5% would help me make 1 crore rupees in about 20 years.
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Actually, this project consists of two sides, one is the corpus value of 55 lakhs in 20 years with 6000 monthly investment and the second is the corpus value of 1 crore in 20 years with 7500 monthly and an annual step-up rate of 5% investment. Both consists of the same mutual funds.
Tools I Used
I used a mix of scripting and spreadsheet tools to keep things robust yet relatable:
- Python — for data wrangling and growth projections
- Excel — for final reporting and visualizations
- AMFI (Association of Mutual Funds in India) — for real NAV history data
- Matplotlib — for quick plotting of SIP growth
Mutual Funds I Included
Diversification is key. I selected 10 funds across categories like large-cap, small-cap, tax-saver, and flexi-cap, based on historical performance and category representation:
- Axis Bluechip Fund
- Mirae Asset Large Cap Fund
- Nippon India Index Fund
- HDFC Mid-Cap Opportunities Fund
- SBI Small Cap Fund
- Nippon India Small Cap Fund
- Parag Parikh Flexi Cap Fund
- Quant Active Fund
- ICICI Prudential Equity & Debt Fund
- Canara Robeco Equity Tax Saver Fund
I used each fund’s Compound Annual Growth Rate (CAGR) to simulate future returns and calculate monthly growth.
How the SIP Simulation Works
Using Python, I simulated a 240-month (20-year) SIP plan. Each year, the monthly SIP increases by 5%, mimicking how real people might increase investments with their rising income.
Here’s how the logic works:
- Read monthly NAV history from AMFI
- Apply CAGR to calculate monthly growth
- Allocate SIP amount across all 10 funds
- Track growth for each fund every month
- Export a final Excel file with total value and investments
The results? A detailed projection that shows when and how the investor will reach ₹55 lakhs and 1 crore — and how much was actually invested to get there.
Results
With a monthly SIP starting at ₹7,500 and stepping up 5% annually:
- Investment Duration: 20 years
- Total Invested: ~₹30.4 lakhs
- Final Corpus: ~₹1 crore+
- Growth Factor: 3x+ of invested capital
This projects consists of only the mutual funds. But every financial advisor suggest to invest in both stocks and mutual funds to have a better diversified portfolio.
Here’s the,
GitHub Repo link — https://github.com/wafiyasadiq/Excel-Python-Wealth-Tracker
