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
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
- ₹5,000 monthly for 10 years at an assumed 12% annual return grows to roughly ₹11.6 lakh.
- ₹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
- SIP Calculator and illustration disclaimerSEBI Investor
Sources checked September 1, 2026. Regulations and guidance can change; use the linked authority for the current position.
Related tools
Methodology, sources, and limitations reviewed: September 1, 2026. The calculation engine and displayed assumptions are reviewed together; report a mismatch through the corrections policy.