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SIP Calculator

Investment illustration

SIP Calculator India – Step-Up, Inflation & Lump Sum

Model monthly contributions, annual step-up, inflation-adjusted value, and a lump-sum comparison.

Estimate SIP returns

Total invested
Projected value
Potential wealth gain
Value in today’s money
Lump-sum future value
Final monthly contribution

How this step-up SIP estimate works

The calculator compounds monthly and adds the contribution at the beginning of each monthly period. When step-up is enabled, the contribution increases after each set of 12 payments.

Actual mutual-fund returns fluctuate and expenses, taxes, exit loads, contribution timing, and fund performance can change the outcome.

SIP versus lump sum

SIP spreads contributions over time; lump sum invests the entered amount immediately. They have different cash-flow and market-timing exposure, so the comparison is illustrative rather than a recommendation.

Learn about SIPs and investor risk from the SEBI financial education booklet.

Assumptions and limitations

The entered return and inflation rates remain constant in the illustration. Returns are not guaranteed and the calculator does not evaluate a particular scheme, risk level, tax treatment, or suitability.

Reviewed: 26 July 2026 · Market-linked investment illustration, not investment advice · Editorial policy

Frequently asked questions

Does a SIP calculator guarantee returns?

No. It illustrates a scenario using the return rate you enter. Mutual-fund returns are market-linked and are not guaranteed.

What is a step-up SIP?

A step-up SIP increases the monthly contribution periodically. This calculator applies the selected annual increase after every 12 contributions.

Why show an inflation-adjusted value?

Inflation-adjusted value estimates the purchasing power of the projected corpus in today’s money using the inflation assumption you enter.

Formula and method

For a level monthly SIP, future value ≈ M × [((1 + i)^n − 1) ÷ i] × (1 + i), where M is the monthly investment, i is the monthly assumed return, and n is the number of contributions.

Worked examples

  1. ₹5,000 monthly for 10 years at an assumed 12% annual return grows to roughly ₹11.6 lakh.
  2. ₹10,000 monthly for 15 years at an assumed 10% annual return grows to roughly ₹41.8 lakh.

Methodology and assumptions

The entered annual return is converted to a monthly assumed rate and applied to each periodic contribution. A step-up, when selected, raises later contributions at the stated annual interval. The projection assumes regular contributions and a constant smoothed return; it does not model market volatility, fund expenses, taxes, exit loads, or missed instalments.

Authoritative sources

Sources checked September 1, 2026. Regulations and guidance can change; use the linked authority for the current position.

Methodology, sources, and limitations reviewed: September 1, 2026. The calculation engine and displayed assumptions are reviewed together; report a mismatch through the corrections policy.