Investing

SIP Calculator

See how a monthly SIP compounds into real wealth — with annual step‑ups, a starting lump sum, and the value in today's money. Or flip to goal mode to find the SIP you'd need to hit a target. Private: it all runs on your device.

What you want to do

Currency

Monthly investment i

₹

Annual step‑up i

% p.a.

Stop step‑up after i

years

Expected return i

% p.a.

Investment period i

years

Initial lump sum i

₹

Expected inflation i

% p.a.

Your SIP could grow to

—

Maturity value iThe projected corpus at the end of your investment period.

—

Total invested

—

Wealth gained iMaturity value minus everything you put in — the returns compounding earned for you.

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Value in today's money iYour maturity value discounted by inflation — what it would actually buy in today's terms.

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Your money multiplied

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Monthly SIP

—

Invested vs value over the years iYour cumulative investment against the portfolio's value — the widening gap is compounding at work. Hover or tap for a year.

InvestedValue

Value in today's money — NPV iThe portfolio's value each year discounted to today by your inflation rate (its net present value). Shows real purchasing power over time. Hover or tap for a year.

Value in today's money

Year‑by‑year

How this works

Each month's investment is compounded at your expected return from the moment it goes in (start of month), and your SIP steps up each year by the % you set. Any lump sum compounds for the full period. The maturity value is the sum of all of that; wealth gained is everything above what you put in. Because money loses value over time, we also show your corpus in today's money and an NPV curve — the real purchasing power of your investment discounted by inflation. Flip to goal mode and we invert the maths to find the monthly SIP that reaches your target.

Questions people ask

Are returns guaranteed?

No. Market returns vary year to year and can be negative. This tool uses a single average return to illustrate compounding; treat it as a projection, not a promise.

What is a step‑up SIP?

A step‑up (or top‑up) SIP raises your monthly amount by a fixed % each year, usually in line with your income. Even a small step‑up dramatically increases the final corpus over long periods.

Why show "today's money" and NPV?

A large future number can be misleading if inflation is high. Discounting it to today's value (its net present value) shows what the corpus could actually buy in today's terms.

Is my data stored?

No. Every calculation runs in your browser — nothing is stored, transmitted, or shared.

Disclaimer: This calculator provides estimates for informational and educational purposes only and is not investment advice. Mutual fund and market returns are not guaranteed and can vary or be negative; actual outcomes depend on markets, fund selection and timing. Tax is not included: it ignores capital‑gains tax on redemption (such as LTCG/STCG on equity or debt funds) and any dividend tax, which reduce real returns. Consider your own circumstances and consult a qualified professional before investing.

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