SIP Calculator

Plan monthly investments with annual step-up. See the expected maturity value and what it's worth after inflation.

Investment details

Expected amount

₹1,28,96,806

Projected maturity value

Inflation adjusted value

₹53,81,387

Worth in today's money at 6% inflation

Total invested

₹57,19,047

Est. returns

₹71,77,759

Annualized return

5.57%

CAGR on total invested — usually below the fund rate for SIPs

Invested vs returns

Invested plus estimated returns equals expected maturity.

Growth over time

Insight

Low real return after inflation

Your estimated return after inflation is about -0.4% p.a. while inflation is 6%. Consider reviewing fees, asset allocation, or increasing your monthly investment.

Year-by-year breakdown

Year	Invested (yearly)	Total invested	Fund value
1	₹1,80,000	₹1,80,000	₹1,90,238
2	₹1,98,000	₹3,78,000	₹4,23,626
3	₹2,17,800	₹5,95,800	₹7,07,540
4	₹2,39,580	₹8,35,380	₹10,50,479
5	₹2,63,538	₹10,98,918	₹14,62,233
6	₹2,89,892	₹13,88,810	₹19,54,061
7	₹3,18,881	₹17,07,691	₹25,38,902
8	₹3,50,769	₹20,58,460	₹32,31,617
9	₹3,85,846	₹24,44,306	₹40,49,258
10	₹4,24,431	₹28,68,736	₹50,11,376
11	₹4,66,874	₹33,35,610	₹61,40,371
12	₹5,13,561	₹38,49,171	₹74,61,893
13	₹5,64,917	₹44,14,088	₹90,05,295
14	₹6,21,409	₹50,35,497	₹1,08,04,143
15	₹6,83,550	₹57,19,047	₹1,28,96,806

Before you start a SIP

1Check the fund's expense ratio — lower fees compound into significantly higher returns over 10–20 years. Direct plans are cheaper than regular plans.
2Look at the exit load — most equity funds charge 1% if you redeem within 1 year. Know the lock-in before you commit.
3Choose Direct Growth over Regular Growth to avoid distributor commissions eating into your returns.
4Compare the fund's performance against its benchmark index (e.g. Nifty 50, S&P 500) over 3, 5, and 10 years before selecting.
5Diversify across fund categories (large cap, mid cap, index) instead of putting all SIP money into a single fund.
6Set up auto-debit for SIP on salary day — this ensures consistency and avoids the temptation to skip months.
7Review your portfolio once a year. Rebalance if any single fund has grown to dominate your allocation beyond your comfort level.

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What is this?

A Systematic Investment Plan (SIP) means investing a fixed amount every month into a fund or portfolio. With an optional annual step-up, your monthly investment grows each year along with your income. This calculator projects your total investment value over time and also shows what that amount is worth in today's money after adjusting for inflation.

Formula

Each month: fund value = previous value × (1 + monthly return) + monthly investment. Inflation adjusted value = fund value ÷ (1 + inflation rate)^years.

How to use

Enter your monthly investment amount, expected annual return, time period in years, optional annual step-up percentage, and inflation rate. Review the growth chart and year-by-year table to see how your investment builds over time.

FAQ

What is the difference between expected amount and inflation adjusted value?

Expected amount is the projected future value of your investments assuming a constant return. Inflation adjusted value shows what that amount is worth in today's money after accounting for rising prices — useful for long-term goals.

How does the annual step-up work?

Each year, the monthly investment amount increases by your step-up percentage at the start of that year. All months in that year use the new amount.

Does this assume a fixed rate of return?

Yes. The tool uses your entered expected return throughout. Actual market returns vary, so treat the output as a planning estimate rather than a forecast.

Can I use this for mutual fund SIPs?

The math applies to any regular monthly investment at a constant assumed return. Fund fees and taxes are not modeled unless you account for them in your return assumption.

How should I choose an inflation rate?

Use a long-term average (e.g. 5–7% for developing economies, 2–3% for developed ones). Small changes in inflation significantly affect the inflation adjusted value over decades.

Deeper guide

Use these notes to stress-test the calculator, understand what drives the result, and choose the right tool for the decision you are making.

Key assumptions

This SIP model assumes you invest at a steady monthly cadence, earn one constant annual return throughout the period, and apply any annual step-up exactly once per year. Fund expenses, taxes, and timing differences around SIP dates are not modeled separately.

Worked example

If you invest 10,000 every month for 20 years at 12% with a 10% annual step-up, the total invested amount grows much more slowly than the final corpus because later contributions get larger while earlier ones compound for longer. This is why even a modest step-up can materially improve the ending value.

How to interpret the result

Treat the maturity value as a scenario, not a promise. The inflation-adjusted number is often the more useful planning figure because it translates the future corpus into today's purchasing power for real-world goals.

When to use this vs SIP Goal

Use this calculator when you already know how much you can invest each month and want to estimate the outcome. Use the SIP Goal calculator when you know the future amount you need and want the tool to solve for the monthly SIP.