What does this SIP Calculator calculate?

It simulates each monthly contribution, applies the selected annual step-up after every 12 instalments, compounds at the entered illustrative rate and shows the projected corpus, invested amount, growth, inflation-adjusted value and a lower-return case.

Is a 12% SIP return guaranteed?

No. Twelve per cent is only an input for an illustration. A SIP is an investing method, not a return-bearing product, and the underlying mutual fund can earn more, earn less or lose value. Compare several assumptions instead of planning around one number.

What is the difference between a fixed SIP and a step-up SIP?

A fixed SIP keeps the monthly contribution unchanged. A step-up SIP raises it by the selected percentage after every 12 instalments. Step-up can produce a larger corpus because more money is invested, but the later monthly commitment can become demanding.

Should I select beginning or end of the month?

Choose the timing that matches the calculator assumption you want to test. Beginning-of-month contributions receive one additional month of compounding, so they produce a slightly higher illustration than otherwise identical end-of-month contributions.

Why does the calculator show value in today’s money?

Inflation reduces future purchasing power. The inflation-adjusted result discounts the projected corpus back to today’s money, helping you compare a large future number with what it may actually buy.

Can I lose money even when investing through SIP?

Yes. Rupee-cost averaging spreads purchases across different prices, but it does not assure profit or protect against loss. The fund can fall, underperform or remain below the amount invested, especially over shorter or weak market periods.

What happens if I miss a monthly instalment?

The projection assumes every scheduled contribution is made. A missed instalment means less money is invested and less time is available for that money to compound. Scheme and bank consequences depend on the mandate and provider, so check their current terms.

Are expense ratio, exit load and tax included?

No separate deductions are made for expense ratio, exit load or tax. Mutual-fund NAV already reflects scheme expenses, while exit load and tax depend on the scheme, transaction and investor. Treat the displayed corpus as a clean projection, not an expected redemption amount.

When should I use the Goal SIP or XIRR Calculator instead?

Use the Goal SIP Calculator when you know the future amount you need and want to solve the required starting contribution. Use XIRR when you already have dated investments, withdrawals or dividends and want to measure the annualised return actually earned.

Mutual Fund Calculator

SIP Calculator

Project a fixed or annually increasing SIP, compare a lower-return case and see inflation-adjusted value, yearly numbers and three interactive graphs.

SIP CalculatorLive projection · no sign-up · illustration only

Know your goal amount? Use Goal SIP →

WEALTH RUNWAYFixed monthly SIP

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YEAR-BY-YEAR FLIGHT PATHSee compounding gather altitude

Hover or focus a year to inspect its projected value.

Projected corpus——

Amount invested—— · —

Illustrative growth—— · —

Value in today’s money——

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Explore detailed SIP analysisFixed comparison, downside graph, yearly schedule and purchasing powerOpen analysis

Fixed-SIP corpus—same starting amount and return

Step-up advantage——

Lower-return outcome——

Final monthly instalment——

SIP Research Canvas BetaFollow contributions and compounded growth across the complete investment period.

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Year-by-year SIP scheduleMonthly amount, investment, projected corpus and today’s value—

Year	Monthly SIP	Invested to date	Projected corpus	Today’s value

Read your projection

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A SIP controls timing—not market risk

Rupee-cost averaging does not assure profit or prevent loss. Actual returns arrive unevenly; the selected fund can underperform or fall below the amount invested. Expense ratio, exit load and tax are not deducted separately from this illustration.

Educational projection only. Compare return assumptions, check the scheme’s Riskometer and review step-up affordability before investing.

SIP INVESTOR FIELD GUIDE

A projection, not a promise

A SIP decides how and when money is invested. It does not decide what the market will return. Read the result as one possible path, compare a lower-return case and judge whether every planned contribution remains affordable.

Default plan₹5,000 a month

What the calculator does each month

The step-up mode uses a month-by-month simulation rather than one averaged annual contribution.

1Set the contribution

Begin with the monthly amount and choose beginning- or end-of-month timing.

2Apply the annual step-up

After every 12 instalments, the monthly amount rises by the selected percentage.

3Compound the running balance

Balance = contribution + prior balance + illustrated growth

4Discount for inflation

The ending corpus is translated into today’s purchasing power for context.

Solid examples you can reproduce

All examples use beginning-of-month contributions and a constant illustrative 12% annual return.

10 YEARS₹11.62 lakh

₹5,000 × 120 = ₹6 lakh invested

20 YEARS₹49.96 lakh

₹5,000 × 240 = ₹12 lakh invested

30 YEARS₹1.76 crore

₹5,000 × 360 = ₹18 lakh invested

STEP-UP EXAMPLE

Increasing the ₹5,000 SIP by 10% each year for 15 years

The projection rises to about ₹43.42 lakh versus ₹25.23 lakh for a fixed SIP. But the step-up plan invests about ₹19.06 lakh in total and the monthly contribution reaches roughly ₹18,987 in the final year. The larger corpus is not free extra return—it is partly the result of investing substantially more money.

Fixed corpus₹25.23L

10% step-up corpus₹43.42L

The brief downside view most projections omit

A smooth graph is useful for planning, but actual market returns do not arrive in a smooth line.

Market loss remains possible

Rupee-cost averaging does not assure profit or prevent the fund from falling below the amount invested.

The constant-return path is artificial

Actual gains and losses arrive unevenly. The same long-run average can produce a different lived experience.

Costs and tax affect redemption value

Expense ratio is reflected in NAV; exit load and tax depend on the scheme, timing and investor.

A step-up is a future commitment

If income does not rise as planned, later instalments may become unaffordable and the projected corpus will fall.

BETTER PLANNING HABIT

Use a range—not one magic return

Start with a conservative case, compare your base illustration and keep the built-in lower-return graph open. If the goal fails under a modestly weaker return, consider more time, a higher affordable contribution or a smaller target rather than simply raising the assumed return.

Check the fund category and Riskometer
Compare at least two return assumptions
Review the final step-up instalment
Keep emergency money outside the SIP

Choose the next tool for the next question

Avoid forcing one calculator to answer a different financial question.

COMPARE METHODSSIP vs Lumpsum→SOLVE A TARGETGoal SIP Calculator→MEASURE REAL CASH FLOWSXIRR Calculator→

OFFICIAL ILLUSTRATIONSEBI SIP Calculator

SEBI labels calculator output as an illustration and states that stock-market returns cannot be predicted.

Open SEBI calculator ↗

INVESTOR EDUCATIONAMFI SIP guide

Review how SIP invests a fixed amount periodically and how rupee-cost averaging works before selecting a scheme.

Open AMFI guide ↗