SIP Calculator
Calculate the future value of your Systematic Investment Plan. Model SIP returns, lump sum top-ups, step-up contributions, inflation impact, and goal-based investment planning.
Future value projection
Step-up SIP
Goal-based planning
Lump sum + SIP
Inflation adjusted
Free to use
Investment Mode
Investment Details
₹
Amount invested per month₹
One-time investment todayyrs
Total investment period%
Average CAGR expectedAdvanced Settings
%
Yearly SIP increment%
For real value calculation%
Tax on capital gains₹
Wealth goal to achieve
Investment frequency
Display currency
For age-based chart labels
SIP Results
Total Corpus
—
Future Value
Press Calculate
Total Invested
—
Principal Amount
—
Wealth Gained
—
Returns Earned
—
Absolute Returns
—
% Total Growth
—
Investment Breakdown
Returns Mix
Returns vs Principal
—
Returns as % of total corpus
Real Value (Inflation Adj.)
—
Purchasing power retained
Growth Journey
Portfolio Value
Total Invested
Inflation-Adjusted Value
Return Scenarios
🕶 Conservative
—
At 8% annual return
📈 Base Case
—
At your expected return
🚀 Optimistic
—
At 15% annual return
Detailed Metrics
Monthly SIP
—
/mo
Per period investment
Total Months
—
months
Investment duration
Expected CAGR
—
% p.a.
Annual return rate
Real Return Rate
—
% p.a.
After inflation
After-Tax Corpus
—
Net of LTCG tax
Inflation-Adj. Value
—
Today’s purchasing power
Doubling Time
—
years
Rule of 72 estimate
Goal Achievement
—
vs target corpus
Year-by-Year Projection
| Year / Age | SIP Invested | Lump Sum | Total Invested | Returns Earned | Portfolio Value | Real Value |
|---|---|---|---|---|---|---|
| Press Calculate to generate projection | ||||||
Formula Reference
FV = P × [(1+r/n)^(nt) − 1] / (r/n)Future value of regular SIP
Lump Sum FV = P × (1+r)^tFuture value of one-time investment
Step-Up FV = Growing annuity formulaSIP increases by step-up % each year
Real Return = (1+r) / (1+i) − 1Fisher equation, inflation-adjusted
Doubling Time ≈ 72 / r%Rule of 72 approximation
LTCG Tax = (Gains − 1L) × 10%India equity MF LTCG (after 1 yr)
Common Questions
What is a SIP and how does it work?
A Systematic Investment Plan (SIP) lets you invest a fixed amount at regular intervals into mutual funds. Rather than timing the market, SIPs use rupee-cost averaging — you buy more units when prices are low and fewer when high, lowering your average cost. Compounding means returns on your returns snowball dramatically over long periods.
What is a Step-Up SIP?
A Step-Up SIP automatically increases your investment amount every year by a fixed percentage. Starting at ₹10,000/month with 10% step-up means ₹11,000 in year 2, ₹12,100 in year 3, etc. This aligns with salary growth and can boost your final corpus by 40-60% vs a flat SIP.
What is a realistic SIP return to expect?
Diversified large-cap equity mutual funds in India have historically delivered 10-12% CAGR over 10+ years. Mid/small-cap funds: 13-16% with higher volatility. Debt funds: 6-8%. Always use conservative estimates (8-10%) for planning. This calculator defaults to 12% as a reasonable base-case.
How does inflation affect SIP returns?
Inflation erodes purchasing power. At 6% inflation, ₹1 crore in 20 years buys what ~₹31 lakhs buys today. The Real Return = (1+nominal)/(1+inflation) – 1. At 12% nominal and 6% inflation, real return is only ~5.66%. Always plan using inflation-adjusted figures for realistic goals.
What is LTCG tax on mutual fund SIPs in India?
Long-Term Capital Gains (LTCG) on equity mutual fund units held over 1 year are taxed at 10% on gains exceeding ₹1 lakh per financial year. Short-term gains (under 1 year) are taxed at 15%. Debt fund gains are taxed at your income slab rate. Consult a tax advisor for your specific situation.
Results are projections for illustrative purposes only. Mutual fund investments are subject to market risks. Past performance is not indicative of future results.
CalcEngines · Free Engineering & Financial Calculators.
Also see: Compound Interest Calculator
· FIRE Calculator