SIP Calculator
Calculate your SIP returns, plan goal-based investments, and compare regular vs step-up SIP — all with interactive charts and detailed year-wise analysis.
SIP Calculator
Estimate SIP growth, target-based monthly investment, and the power of annual step-up investing.
Inputs
Adjust values using sliders, direct input, and smart presets.
How much you plan to invest every month.
Scenario Presets
Projected Maturity Value
Your SIP may grow to ₹49,95,802
Over 15 years, your monthly SIP of ₹10,000 could build a corpus of ₹49,95,802.
Total Invested
₹18L
Actual contribution made over the tenure
Estimated Returns
₹32L
Potential market-linked gain
Wealth Multiplier
2.78x
Corpus divided by total investment
Insight
You invested ₹18,00,000 and may build ₹49,95,802.
Estimated Wealth Gain
Potential gain of ₹31,95,802 which is 2.78x your investment.
Daily Equivalent
Your SIP of ₹10,000/month is roughly ₹333/day.
₹1 Crore Target Hint
To reach ₹1 crore, you may need about ₹19,819/month for 15 years at 12% return.
Milestone Estimator
Estimated time to reach key wealth milestones.
₹10L
5.8 years
₹25L
10.5 years
₹50L
15.1 years
₹1Cr
20.1 years
Investment Split
Invested amount vs estimated gains.
Portfolio Growth Over Time
Track invested amount and projected corpus year by year.
Year-Wise Breakdown
Annual invested amount, year-end corpus, and gain contribution.
Year-Wise Table
Detailed projection to help you understand long-term compounding.
| Year | Total Invested | Estimated Corpus | Estimated Gains | Return % | Milestone |
|---|---|---|---|---|---|
| 1 | ₹1,20,000 | ₹1,26,825 | ₹6,825 | 5.7% | 🏁 ₹1L |
| 2 | ₹2,40,000 | ₹2,69,735 | ₹29,735 | 12.4% | 🏁 ₹1L |
| 3 | ₹3,60,000 | ₹4,30,769 | ₹70,769 | 19.7% | 🏁 ₹1L |
| 4 | ₹4,80,000 | ₹6,12,226 | ₹1,32,226 | 27.5% | 🏁 ₹5L |
| 5 | ₹6,00,000 | ₹8,16,697 | ₹2,16,697 | 36.1% | 🏁 ₹5L |
| 6 | ₹7,20,000 | ₹10,47,099 | ₹3,27,099 | 45.4% | 🏁 ₹10L |
| 7 | ₹8,40,000 | ₹13,06,723 | ₹4,66,723 | 55.6% | 🏁 ₹10L |
| 8 | ₹9,60,000 | ₹15,99,273 | ₹6,39,273 | 66.6% | 🏁 ₹10L |
| 9 | ₹10,80,000 | ₹19,28,926 | ₹8,48,926 | 78.6% | 🏁 ₹10L |
| 10 | ₹12,00,000 | ₹23,00,387 | ₹11,00,387 | 91.7% | 🏁 ₹10L |
| 11 | ₹13,20,000 | ₹27,18,959 | ₹13,98,959 | 106.0% | 🏁 ₹25L |
| 12 | ₹14,40,000 | ₹31,90,616 | ₹17,50,616 | 121.6% | 🏁 ₹25L |
| 13 | ₹15,60,000 | ₹37,22,091 | ₹21,62,091 | 138.6% | 🏁 ₹25L |
| 14 | ₹16,80,000 | ₹43,20,970 | ₹26,40,970 | 157.2% | 🏁 ₹25L |
| 15 | ₹18,00,000 | ₹49,95,802 | ₹31,95,802 | 177.5% | 🏁 ₹25L |
Educational Purpose Disclaimer
This calculator is provided for informational and educational estimation purposes only. All calculations and projections are based on standard mathematical formulas and assumed inputs. The output values should not be considered professional financial, legal, tax, or medical advice. ProCalc is not a registered financial advisor or licensed practitioner. Always consult a qualified professional (such as a Chartered Accountant, certified planner, or physician) before making major decisions.
What is the SIP Calculator?
A Systematic Investment Plan (SIP) calculator is an essential tool for planning long-term wealth creation. Instead of manually predicting mutual fund compounding patterns, this calculator instantly estimates your potential future portfolio value based on monthly savings.
### 📈 Compounding Scenarios: The Power of Time (Assumed 12% CAGR)
Here is how a monthly investment of ₹10,000 grows over time under a standard 12% annual return rate:
* 10 Years: Total Invested: ₹12 Lakhs | Est. Wealth: ₹23.2 Lakhs
* 20 Years: Total Invested: ₹24 Lakhs | Est. Wealth: ₹99.9 Lakhs
* 30 Years: Total Invested: ₹36 Lakhs | Est. Wealth: ₹3.53 Crores 🚀
*Notice how the last 10 years contribute nearly 2.5x the wealth of the first 20 years combined! This is the exponential effect of compound interest.*
### 💼 Case Study: Rohan's Journey to ₹1 Crore
Rohan, a 25-year-old software developer, wanted to build a ₹1 Crore corpus by age 40 (a 15-year horizon).
1. Scenario A (Regular SIP): Rohan starts a fixed SIP of ₹20,000/month at a 12% expected CAGR. In 15 years, his portfolio grows to ₹1.01 Crores (having invested ₹36 Lakhs).
2. Scenario B (Step-Up SIP): Rohan starts with only ₹12,000/month but commits to a 10% annual Step-Up as his salary grows. By year 15, his monthly contribution is ₹41,372, his total invested is ₹38.8 Lakhs, and his final maturity corpus grows to ₹1.25 Crores!
*By using the Step-Up mode, Rohan started with a 40% lower initial budget but ended with 24% more wealth.*
### 🧠 Decision Guide & Practical Advice
* Rule of 15-15-15: Investing ₹15,000/month for 15 years at a 15% return rate yields exactly ₹1 Crore.
* Managing Volatility: Never stop your SIP during a market downturn (bear market). This is when you acquire more mutual fund units at lower prices (Rupee Cost Averaging), which accelerates compounding when the market recovers.
* Inflation Adjustment: If you plan to retire in 20 years, remember that a ₹1 Crore corpus today will only have the purchasing power of roughly ₹31 Lakhs in 20 years (assuming 6% inflation). Always check the Goal-Based tab and enable Inflation to find the true amount you need.
How Does the SIP Calculator Work?
This calculator works in three distinct modes:
1. Regular SIP: You enter your monthly contribution, expected annual return rate, and time horizon. The calculator computes the future value of those payments using monthly compounding.
2. Goal-Based SIP: You enter a target corpus (e.g., ₹1 Crore) and the timeline. The calculator reverse-solves the monthly savings required. If you enable the inflation toggle, it inflates your target corpus first before solving for the monthly SIP.
3. Step-Up SIP: You enter a starting monthly SIP and an annual increase rate (e.g., 10%). The calculator computes the future value year-by-year, raising the monthly contribution by the selected percentage at the start of each year.
Formula & Calculation Method
Regular SIP Future Value Formula:
FV = P × [((1 + r)^n − 1) / r] × (1 + r)
Where:
- P = Monthly investment amount.
- r = Monthly interest rate (Annual Return ÷ 12 ÷ 100).
- n = Total number of months (Tenure in Years × 12).
Goal-Based SIP Required Contribution:
P = FV ÷ {[((1 + r)^n − 1) / r] × (1 + r)}
For Inflation-Adjusted Goals:
Adjusted Target = Target Corpus × (1 + Inflation Rate)^Years
Step-Up SIP Iterative Logic:
For each year $y$:
P_y = P_1 × (1 + StepUp %)^{y-1}
The calculator compounds each year's payments monthly and rolls over the accumulated balance from previous years.
Example Calculation
Example Calculation (Regular SIP):
- Monthly SIP (P): ₹10,000
- Tenure (Years): 5 years (n = 60 months)
- Assumed Annual Return: 12% (monthly rate r = 0.01)
Step 1: Calculate compound factor.
Factor = [((1 + 0.01)^60 - 1) / 0.01] × (1.01) = [0.81669 / 0.01] × 1.01 = 82.4864
Step 2: Compute future value.
FV = ₹10,000 × 82.4864 = ₹8,24,864
- Total Invested: ₹6,00,000
- Wealth Gained (Est. Returns): ₹2,24,864
Frequently Asked Questions
**Regular SIP Future Value Formula:** FV = P × [((1 + r)^n − 1) / r] × (1 + r) Where: - **P** = Monthly investment amount. - **r** = Monthly interest rate (Annual Return ÷ 12 ÷ 100). - **n** = Total number of months (Tenure in Years × 12). **Goal-Based SIP Required Contribution:** P = FV ÷ {[((1 + r)^n − 1) / r] × (1 + r)} For **Inflation-Adjusted Goals**: Adjusted Target = Target Corpus × (1 + Inflation Rate)^Years **Step-Up SIP Iterative Logic:** For each year $y$: P_y = P_1 × (1 + StepUp %)^{y-1} The calculator compounds each year's payments monthly and rolls over the accumulated balance from previous years.
Disclaimer: This financial calculator is provided for educational and estimation purposes only. ProCalc is not a registered financial advisor or SEBI entity. Rates and tax rules may vary.