SIP calculator · with step-up + goal-seek
How much will your SIP actually become?
Project your corpus. Reverse-engineer the SIP you need. Step up annually. See today's-rupees value after inflation. All live, no calculate buttons.
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₹
In today's rupees: · after % annual inflation
To buy what buys today, you'd need in years.
Total invested
Compounding gain
Monthly SIP
avg with step-up
/mo · starts at /mo
Target corpus
Your SIP grows by this % every year. Most Indian investors who do step-up settle at 10% (roughly tracking salary growth).
India's 10-year average CPI is about 5.5–6%. Anchors the corpus in today's spending power.
Growth over time
Year
Corpus
Invested
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Who this is for
Three real questions, answered with the calculator.
Click any persona — the calculator jumps to their numbers so you can see exactly what we mean.
Under the hood
How SIP math actually works.
A SIP is just an annuity — a regular series of payments compounded at the fund's NAV growth rate. The standard formula assumes payments at the start of each month (annuity-due).
Why 12%? India's broad large-cap indices have delivered ~11–13% CAGR over 20+ year windows. Past performance ≠ future returns — slide it to 10% if you want a conservative view, or 14% if you're feeling bullish.
Step-up SIP. Most calculators ignore this. A 10% annual step-up roughly tracks Indian salary growth and easily 2x's your final corpus over a 25-year run — without ever "feeling" expensive month-to-month.
The formula
FV = P × (((1 + r)n − 1) / r) × (1 + r) P = monthly SIP amount r = monthly return = annual rate / 12 n = number of months (years × 12)
With annual step-up
corpus = 0; P = monthly
for y in 0..years-1:
for m in 0..11:
corpus = corpus × (1+r) + P
P = P × (1+step)
return corpus Worked example — ₹10k / 20yr / 12%, no step-up
- P = ₹10,000
- r = 12% / 12 = 0.01
- n = 20 × 12 = 240 months
- FV = ₹10,000 × ((1.01240 − 1) / 0.01) × 1.01 ≈ ₹99.91 lakhs
- You put in ₹24L. Compounding added ~₹76L.
Common questions
FAQ.
What return rate should I assume?
For Indian large-cap equity funds, 11–13% is the historical long-run range. For mid/small-cap, 13–16% (with bigger drawdowns). For debt funds, 6–8%. For balanced/hybrid, 9–11%. The default 12% in the calculator is the conservative side of long-run large-cap.
Should I use the step-up SIP toggle?
If your salary grows roughly with inflation + 1-2% (most Indian salaried jobs), turn it on with a 7-10% step-up. The math is dramatic — a ₹5k SIP stepping up 10% annually beats a flat ₹10k SIP over a 25-year run, despite starting at half the amount.
What does the inflation toggle do?
It shows your final corpus in today's purchasing power. ₹1 Cr in 25 years sounds great — but at 6% inflation, ₹1 Cr 25 years from now buys what ~₹23 L buys today. Real corpus = nominal corpus / (1 + inflation)^years.
How does goal-seek work?
You enter the target corpus + years + expected return. The calculator solves for the starting monthly SIP that hits that target (works with or without step-up). Same math as the projection mode, just inverted — it exploits that final corpus is linear in starting monthly.
Are taxes included in the final corpus?
No. This is the pre-tax future value. For equity funds, gains above ₹1.25L/year are taxed at 12.5% (after a 12-month holding period). Subtract roughly 10–11% from the final corpus for a post-tax estimate.
Can I pause an SIP without penalty?
Yes — most AMCs let you pause for up to 6 months and resume. There's no penalty. Just don't cancel and restart; you'll lose the compounding momentum.
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