SIP Calculator
Choose the right SIP calculator: regular SIP, step-up SIP, goal-based SIP, or lumpsum. Each one shows maturity value, inflation-adjusted returns, and a year-by-year breakdown.
Choose the calculator that matches how you plan to invest.
Regular SIP
Same fixed amount every month. Best if your monthly budget won't change for the whole period.
Open calculator →📊Step-Up SIP
Increase your monthly amount each year to match salary growth, and compare it with a flat SIP.
Open calculator →🎯Goal-Based SIP
Start from a target like a house or a child's education, and find the monthly SIP needed to reach it.
Open calculator →💰Lumpsum
One-time investment of money you already have, and how it grows over time at your expected return.
Open calculator →How to Use
- 1
Pick your investment type
Choose Regular, Step-up, Goal-based, or Lumpsum, depending on how you plan to invest.
- 2
Open that calculator
Each option has its own calculator with the inputs that match it.
- 3
Check the result
Review the projected value, inflation-adjusted figure, and year-by-year breakdown.
How It Works
A Systematic Investment Plan (SIP) invests a fixed amount every month into a mutual fund instead of one lump sum. This page helps you choose the right SIP calculator for your plan: a regular SIP for a steady monthly amount, a step-up SIP when your contributions rise each year, a goal-based SIP when you're working back from a target, or a lumpsum calculator for money you already have.
The regular SIP formula
FV = P × [((1+i)ⁿ − 1) / i] × (1+i), where P is the monthly investment, i is the expected monthly rate of return (annual rate ÷ 12), and n is the total number of months invested. The extra (1+i) factor accounts for each month's contribution earning a partial month of return before the period ends.
Step-up (top-up) SIP
Instead of investing the same P every month, a step-up SIP increases the monthly contribution by a fixed percentage every year (e.g. +10% annually). This mirrors real income growth and meaningfully increases the final corpus compared to a flat SIP of the same starting amount, because later, larger contributions still get years to compound.
Examples
₹10,000/month for 15 years at 12% expected return
Total invested = 10,000 × 180 months = ₹18,00,000. Projected value ≈ ₹50,45,760 — roughly 2.8× the amount actually invested, illustrating how much of the final corpus comes from compounding rather than contributions.
Same SIP with a 10% annual step-up
Starting at ₹10,000/month and increasing by 10% each year for 15 years (at the same 12% return) grows the projected corpus to roughly ₹86,83,849 — about 72% more than the flat SIP, even though the early monthly contributions are identical.
Common Use Cases
- Planning long-term goals like retirement, a child's education, or a house down payment
- Comparing how much more a step-up SIP builds versus a flat SIP at the same starting amount
- Estimating how many years of SIP investing are needed to reach a target corpus
- Understanding how sensitive the final corpus is to the assumed rate of return
Tips
- SIP returns shown are projections based on an assumed rate — actual mutual fund returns fluctuate and are never guaranteed, so treat the output as a planning estimate, not a promise.
- SIPs benefit from rupee cost averaging: buying more fund units when prices are low and fewer when prices are high, which smooths out the impact of market volatility compared to a single lump-sum investment.
- Starting a SIP a few years earlier usually matters more than increasing the monthly amount later — the extra years of compounding are hard to make up for, even with bigger contributions.
- Enter an inflation rate to see what the maturity value is worth in today's money. A corpus that looks large in 15 years can buy much less than it appears to today, so this figure is often the more useful one for planning.
- Open the year-by-year breakdown to see how much of the corpus came from your contributions and how much from growth. Gains typically make up a larger share of the total in the later years.
Frequently Asked Questions
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