SIP Calculator — with Step-up & Inflation
Project your mutual fund SIP corpus with an annual step-up (top-up) and inflation adjustment — or work backwards from a goal to find the monthly SIP you need.
Your estimated corpus
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Est. returns
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Total value
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In today’s money
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Growth over time
Invested vs returns
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Year-by-year breakdown
How your corpus builds up each year.
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How SIP returns work
A SIP invests a fixed sum every month into a mutual fund. Each instalment then compounds at your expected rate of return until the end of your investment horizon. Because early instalments compound for the longest, time in the market matters far more than the amount you start with. This calculator compounds every month and adds the effect of an annual step-up.
The power of a step-up (top-up) SIP
Most people’s income rises every year, yet their SIP stays the same. A step-up(also called a top-up or increasing SIP) raises your monthly investment by a set percentage annually. Because those larger later contributions still get years to grow, even a modest 10% annual increment can add a substantial amount to your final corpus compared with a flat SIP.
Don’t forget inflation
Your future corpus will not have the same buying power as money today. Theinflation-adjusted value restates your corpus in today’s rupees so you can plan realistically. If you’re investing toward a specific target, switch to“By goal” mode to find the exact monthly SIP required.
Frequently asked questions
What is a SIP?
A Systematic Investment Plan (SIP) is a way of investing a fixed amount in a mutual fund at regular intervals — usually monthly. Because you invest through market ups and downs, you buy more units when prices are low and fewer when they are high, which averages out your cost over time (rupee-cost averaging).
How are SIP returns calculated?
Each monthly instalment earns compound returns until the end of your investment period. The future value is the sum of every instalment grown at your expected rate of return. This calculator compounds monthly and lets you add an annual step-up, so the projection matches how real investors increase their SIP over time.
What is a step-up (top-up) SIP?
A step-up SIP increases your monthly contribution by a fixed percentage every year — typically in line with your salary growth. Even a 10% annual step-up can dramatically increase your final corpus, because the larger contributions in later years still get time to compound.
Are SIP returns guaranteed?
No. Mutual fund SIPs are market-linked and returns are not guaranteed. The expected return you enter (e.g. 12%) is only an assumption for illustration. Actual returns can be higher or lower, and equity funds can be volatile over short periods.
Why does inflation-adjusted value matter?
A corpus of Rs 1 crore 20 years from now will not buy what Rs 1 crore buys today. The inflation-adjusted (real) value shows your future corpus in today’s purchasing power, so you can judge whether it will actually meet your goal.
How does the goal-based SIP calculator work?
Switch this calculator to “By goal” mode, enter your target amount, expected return and time frame, and this goal-based SIP calculator tells you the fixed monthly SIP you need to reach that target. Add a step-up if you expect your income to rise.
What is XIRR and how does it apply to a SIP?
XIRR (Extended Internal Rate of Return) is the annualised return that accounts for the fact that each SIP instalment is invested on a different date. Because a SIP is a series of cash flows rather than a single lumpsum, XIRR is the correct way to measure its real return. This calculator uses the same expected annual rate as the basis for its projection.