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 |
What is the SIP Calculator?
A SIP Calculator is one of the most useful financial planning tools for anyone investing in mutual funds through a Systematic Investment Plan. Instead of guessing how much your monthly investment may grow to over time, this calculator helps you estimate your future wealth using expected annual returns, tenure, and contribution amount. In India, SIPs are widely used by salaried professionals, self-employed individuals, young investors, parents planning for children's education, and long-term savers building a retirement corpus. This calculator is designed to make SIP planning more practical, visual, and goal-oriented.
This SIP Calculator supports three powerful planning modes. The first is the Regular SIP Calculator, which helps you calculate the maturity value of a fixed monthly investment made consistently over a chosen number of years. It shows your total invested amount, estimated returns, and projected final corpus, making it easier to understand the power of compounding. The second is the Goal-Based SIP Calculator, which works backward from a target amount. If you want to build a retirement fund, save for a child's education, accumulate a down payment for a house, or create a long-term wealth corpus, this mode estimates the monthly SIP required to reach your desired target within your selected timeline. It can also account for inflation, which is especially important for long-term financial goals in India where future costs may rise significantly. The third is the Step-Up SIP Calculator, which is ideal for investors who expect their income to grow over time. Instead of keeping the SIP amount fixed, this mode lets you increase your contribution by a chosen percentage every year, helping you potentially build a much larger corpus than a regular SIP.
This calculator is useful for beginners as well as experienced investors. If you are just starting, you can quickly understand how monthly investing works and how tenure affects wealth creation. If you are planning long-term goals, you can compare different return assumptions, increase your SIP gradually, and see year-wise growth with charts and milestone tracking. The calculator is especially relevant in the Indian context, where investors often ask questions like how much SIP is needed for ₹1 crore, whether step-up SIP is better than a fixed SIP, and how inflation affects future goals. By giving you regular SIP estimates, target-based monthly investment planning, and step-up comparison in one place, this tool helps you make more informed mutual fund investment decisions.
How Does the SIP Calculator Work?
This calculator works in three modes. In the Regular SIP tab, you enter your monthly investment amount, expected annual return, and investment tenure in years. The calculator then estimates your total invested amount, expected returns, and final maturity value using the SIP future value formula. In the Goal-Based SIP tab, you enter your target corpus, expected annual return, and number of years. The calculator then reverse-calculates the monthly SIP required to reach that goal. If you enable inflation, it first adjusts your target amount upward based on the inflation rate and your investment horizon, then computes the required monthly SIP against that inflation-adjusted goal. In the Step-Up SIP tab, you enter your starting monthly SIP, annual step-up percentage, expected annual return, and investment tenure. The calculator then increases your SIP each year by the chosen step-up percentage and projects how much larger the final corpus could become compared to a regular SIP with the same starting contribution. Across all three tabs, the calculator updates results instantly, shows visual charts, highlights investment milestones, and provides a year-wise breakdown so you can better understand the impact of consistency, compounding, time, and increasing contributions.
Formula & Calculation Method
The Regular SIP mode uses the standard future value of SIP formula: FV = P × [((1 + r)^n − 1) / r] × (1 + r), where P is the monthly SIP amount, r is the monthly return rate calculated as annual return divided by 12 and then by 100, and n is the total number of monthly contributions equal to years × 12. The Goal-Based SIP mode rearranges the same formula to calculate the required monthly SIP: P = FV ÷ {[((1 + r)^n − 1) / r] × (1 + r)}. If inflation is enabled, the target corpus is first adjusted using: Adjusted Target = Target × (1 + i)^y, where i is the annual inflation rate and y is the number of years. The Step-Up SIP mode is calculated iteratively year by year. For each year, the monthly SIP is increased by the chosen annual step-up percentage. The contribution for that year is compounded monthly, and the existing corpus is also grown forward. In practical terms, Year 1 starts with the initial SIP, Year 2 uses starting SIP × (1 + step-up), Year 3 uses starting SIP × (1 + step-up)^2, and so on. The calculator sums the value of each year's contributions along with the growth of the previously accumulated corpus to estimate the final maturity value.
Example Calculation
Example 1 – Regular SIP: If you invest ₹10,000 every month for 15 years at an expected annual return of 12%, your total investment would be ₹18,00,000 and the estimated maturity value could grow to around ₹50 lakh+, depending on compounding assumptions. Example 2 – Goal-Based SIP: If your target is ₹1 crore in 15 years and you assume a 12% annual return, the calculator estimates the monthly SIP needed to reach that amount. If inflation is applied at 6%, the future target becomes much higher than ₹1 crore, and the required monthly SIP also increases. Example 3 – Step-Up SIP: If you start with ₹10,000 per month, increase your SIP by 10% every year, stay invested for 15 years, and assume a 12% annual return, your final corpus could be meaningfully higher than a regular SIP of ₹10,000 per month because your contributions rise over time as your income grows.