Calculate future wealth, compare fixed and step-up SIPs, estimate required SIP contributions, account for inflation, and track long-term investment growth.
Core Inputs
Enter ₹100 or more
Enter 0.1%–50%
Step-Up SIP
Enter 0 to disable step-up
Existing Lumpsum Investment
Enter 0 to exclude lumpsum
Inflation Adjustment
Enter 0 to skip inflation adjustment
Goal Details
Enter ₹10,000 or moreEnter your desired corpus in today's purchasing power. The calculator will automatically adjust this amount for inflation.
Enter 0.1%–50%
Step-Up SIP
Enter 0 for fixed SIP (no step-up)
Inflation — Adjust Target Corpus
Enter 0 to skip inflation adjustment
Frequently Asked Questions
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds, helping you build wealth through disciplined investing and compounding.
The calculator estimates the future value of your investments based on your SIP amount, investment duration, expected return, and any step-up contributions.
Use a conservative return assumption based on your investment horizon and asset allocation. Actual returns may be higher or lower than estimated.
A Step-Up SIP increases your SIP amount periodically, usually every year, allowing your investments to grow as your income increases.
Inflation reduces purchasing power over time. The calculator can adjust your target corpus to estimate how much money you may actually need in the future.
A fixed SIP remains the same throughout the investment period, while a Step-Up SIP increases at a chosen annual rate.
Our SIP Calculator uses the standard SIP future value formula, which assumes that each SIP instalment is invested at the beginning of the month. To accurately support features such as annual step ups, the calculator performs a month by month compounding simulation rather than relying solely on a single closed form formula.
For each month, the calculation applies: Future Value = Existing Corpus × (1 + Monthly Return) + SIP Amount × (1 + Monthly Return)
where the Monthly Return is calculated as: Monthly Return = Annual Return ÷ 12
When there are no SIP step ups, this month by month calculation produces the same result as the widely used SIP formula: FV = P × [((1 + r)^n − 1) ÷ r] × (1 + r)
where: FV = Future Value of the SIP P = Monthly SIP amount r = Monthly rate of return n = Total number of SIP instalments
You may notice slight differences between SIP calculators across websites. These differences can arise due to variations in compounding assumptions, treatment of SIP dates, rounding methods, step up calculations, and whether instalments are assumed to be invested at the beginning or end of each month.
The calculator estimates the monthly SIP required based on your target corpus, investment duration, expected return, inflation assumptions, and step-up rate.
No. SIP is a method of investing, not an investment product. Returns depend on the performance of the underlying mutual fund and market conditions.
⚠️ Disclaimer: This calculator provides estimates for educational purposes only and should not be considered investment advice. Actual investment returns may vary based on market performance, fund selection, expenses, taxes, and other factors. Please consult a qualified financial advisor before making investment decisions.