Advanced SIP Calculator

Plan smarter with step‑up options, inflation awareness, and crystal‑clear projections.

Inputs

Min ₹500. Use arrow keys for quick tweaks.
Not a promise—purely for illustration.
We’ll show inflation‑adjusted (real) value too.
Applies step‑up in these years only (if Custom).

Results

Invested Amount
₹0
Estimated Wealth
₹0
Real Value (after inflation)
₹0
Download CSV

What is a SIP & Why Step‑Up?

Advantages

  • Builds bigger corpus by harnessing compounding on rising contributions.
  • Aligns with salary increments; avoids lifestyle‑creep overspend.
  • Flexibility to adjust frequency (1/2/3‑year) or custom years.

Limitations

  • Market returns are variable; this is an illustration, not advice.
  • Higher step‑ups require cash‑flow discipline; review yearly.
  • Inflation can erode purchasing power—see the real value metric.

SIP Calculator – FAQs

Is the return guaranteed?
No. SIP outcomes depend on market performance. This tool only illustrates based on the return you enter; it is not a promise or recommendation.
How much can I invest in a SIP?
There’s no upper cap set by the calculator—start from as low as ₹500 per month (or your fund’s minimum) and scale as your income grows. Use Step‑Up to plan automatic increases.
What is the ideal tenure for a SIP?
There’s no fixed “maximum.” Longer tenures harness compounding better. Many investors align tenure with goals—e.g., 5–7 years for a car/education milestone, 15–25 years for retirement.
Are SIPs the same as mutual funds?
SIP is a method to invest into mutual funds at regular intervals. The fund (equity/debt/hybrid) is the vehicle; SIP is just the disciplined route to get there.
Can I change my SIP amount later?
Yes. You can increase, decrease, or even pause with most platforms. In this calculator, use the Step‑Up feature (yearly/2‑year/3‑year/custom) to simulate planned changes.
Do SIPs work only with equity funds?
No. You can run SIPs in equity, debt, and hybrid funds. Your risk/goal profile should guide the mix rather than the SIP mechanism itself.
What types of SIPs exist?
  • Step‑Up/Top‑Up SIP: Auto‑increase at defined intervals or custom years (simulated here).
  • Perpetual SIP: No end date—continues until you stop it.
  • Trigger/Conditional SIP: Starts or adjusts based on a condition like date/NAV/market level (platform‑dependent).
  • Flexible SIP: Lets you vary or skip contributions (subject to AMC/platform rules).
What step‑up rate should I pick?
Many match salary hikes (5–15% per year). If your income is irregular, consider a smaller annual step‑up or a custom pattern (only in certain years).
How does inflation adjustment work?
We discount the projected corpus by your inflation rate to estimate its purchasing power in today’s rupees. This helps you plan in “real” terms.
Can I renew or pause a SIP?
Most platforms let you continue (perpetual), pause temporarily, or change dates/amounts. Check your AMC/broker rules for notice periods and limits.
Can I export the schedule?
Yes. Use Download CSV to get the full month‑wise projection for your records or for sharing with your advisor.