SIP Calculator
See how a monthly Systematic Investment Plan could grow — with an annual step-up, an optional starting lump sum, and the value in today's money after inflation.
Investment Details
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Yrs
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Projected Future Value
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Total Invested
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Projected Gains
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In today's money
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Final monthly SIP
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📊 Growth Over Time
InvestedGains
Mutual fund investments are subject to market risks. These are projections at a constant assumed rate, not guaranteed returns. Taxes, exit loads and expense ratios are not considered.
How this calculator works
- Contribution timing: each SIP is invested at the start of the month (annuity-due).
- Compounding: monthly, at the expected annual return ÷ 12.
- Step-up: the monthly SIP rises by the step-up % once a year — from month 13, 25, 37 and so on.
- Lump sum: invested in month 1 and grows at the same rate.
- Today's money: future value ÷ (1 + inflation)years.
- The return is an assumption you choose. Actual fund returns change every year and can be negative.
Worked example
₹10,000 a month at 12% for 10 years, no step-up.Monthly rate = 1%; 120 instalments.
Value = 10,000 × [(1.01120 − 1) ÷ 0.01] × 1.01 = ₹23,23,391.
Invested ₹12,00,000 → projected gain ₹11,23,391.
With a 10% yearly step-up the projection is ₹33,74,326 on ₹19,12,491 invested.