SIP Calculator with Step-up, Goal & Inflation Mode
Not just a basic SIP calculator. Plan an annual step-up, work backwards from a money goal, and see your real returns after inflation, with charts and a year-by-year breakdown.
A Systematic Investment Plan (SIP) lets you invest a fixed amount in mutual funds every month and grow wealth through compounding. This free calculator goes beyond the basics: model a yearly step-up, find the monthly amount needed for a target goal, and check the inflation-adjusted (real) value of your corpus.
| Year | Invested | Returns | Value |
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What makes this SIP calculator different?
Step-up SIP
Increase your SIP by a fixed percentage every year as your income grows. Even a 10% yearly step-up can dramatically raise your final corpus.
Goal planning
Have a target like a house, car or retirement fund? Switch to Reach a Goal mode and see the exact monthly SIP you need.
Real (inflation-adjusted) value
A crore in 20 years will not buy what it does today. See what your corpus is really worth in today’s money.
Charts & breakdown
An invested-vs-returns donut, a growth chart, and a full year-by-year table so you can see compounding at work.
How SIP returns are calculated
A SIP is a series of monthly investments, each of which compounds until the end of the period. This calculator computes the future value month by month (an annuity-due model, where each month’s investment is added at the start of the month), which is why it stays accurate even when you add a yearly step-up.
How to use this calculator
- Choose Monthly SIP (to project a corpus) or Reach a Goal (to find the SIP for a target).
- Enter your amount, expected return rate, and time period. Use the sliders for quick changes.
- Open Advanced options to add a yearly step-up or turn on inflation adjustment.
- Click Calculate to see your corpus, charts and a year-by-year breakdown.
Frequently asked questions
What is a step-up SIP and why does it matter?
A step-up (or top-up) SIP automatically increases your monthly investment by a set percentage each year, usually in line with your salary growth. Because the extra amounts also get years to compound, a modest 10% annual step-up can add a surprisingly large sum to your final corpus compared with a flat SIP.
How does the “Reach a Goal” mode work?
Instead of asking how much your SIP will grow to, goal mode works backwards: you enter the target amount you want, your expected return rate and the time you have, and it tells you the fixed monthly SIP required to get there.
Why should I adjust for inflation?
Inflation reduces the buying power of money over time. A corpus of one crore in 20 years will buy far less than one crore today. Turning on inflation adjustment shows the “real” value of your corpus in today’s money, which is a more honest way to plan for long-term goals.
Are these returns guaranteed?
No. SIP returns depend on the mutual funds you choose and market performance, which changes every year. The calculator uses a constant expected return only to illustrate compounding. Treat the result as an estimate for planning, not a promise, and consider consulting a SEBI-registered advisor for personal advice.
Is my data sent anywhere?
No. This calculator runs entirely in your browser. Nothing you type is uploaded or stored on any server.
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