SIP Calculator Inputs
Example Data Table
These examples show how different SIP sizes, time horizons, and return assumptions can change the projected maturity value.
| Plan | Monthly SIP | Years | Annual Return | Projected Maturity |
|---|---|---|---|---|
| Starter SIP | Rs. 3,000.00 | 10 | 10% | Rs. 742,831.38 |
| Balanced SIP | Rs. 5,000.00 | 15 | 12% | Rs. 3,382,940.56 |
| Growth SIP | Rs. 10,000.00 | 20 | 12% | Rs. 17,422,831.77 |
| Goal SIP | Rs. 15,000.00 | 25 | 11% | Rs. 57,117,826.81 |
Formula Used
This calculator uses an iterative SIP model because step-up contributions change the monthly installment every year. It first converts your annual return into an effective monthly rate, then applies each monthly contribution and growth cycle.
Effective Annual Rate = (1 + Annual Rate / Compounding Frequency)Compounding Frequency − 1
Monthly Rate = (1 + Effective Annual Rate)1/12 − 1
For each month: add SIP based on timing, grow balance by monthly rate, then repeat for the full investment period.
Real Value = Future Value ÷ (1 + Inflation Rate)Years
When annual step-up is used, the SIP amount increases once every 12 months. This reflects rising income and gives a more realistic long-term plan.
How to Use This Calculator
- Enter your monthly SIP amount and any initial lump sum.
- Choose your investment period in years.
- Add expected annual return, annual step-up, and inflation rate.
- Pick the contribution timing and compounding frequency.
- Optionally enter a target corpus to measure surplus or shortfall.
- Click Calculate SIP to see results above the form.
- Use the chart and yearly table to review growth over time.
- Download the results as CSV or PDF for reporting and planning.
Frequently Asked Questions
1) What is a SIP calculator?
A SIP calculator estimates the future value of periodic investments using your monthly amount, time horizon, return assumption, and optional step-up. It helps you compare savings plans, judge affordability, and set clearer wealth targets.
2) Is the result guaranteed?
No. This is a planning estimate. Actual returns depend on market performance, fund selection, contribution timing, fees, taxes, and whether you stay invested consistently through the full period.
3) Why does inflation matter in SIP planning?
Inflation shows what your future corpus may be worth in today’s money. A large maturity number can lose purchasing power over time, so real value gives a more practical planning view.
4) What does annual step-up mean?
Annual step-up increases your SIP by a fixed percentage every year. It is useful when your income is expected to grow and can greatly improve the chance of reaching long-term goals.
5) Should I choose beginning or end of month?
Choose the option that matches how you invest. Beginning-of-month contributions get one extra month of growth, while end-of-month contributions reflect the standard month-end investment pattern.
6) Can this calculator help with goal planning?
Yes. Add a target corpus to see whether your current SIP creates a surplus or shortfall. The calculator also estimates the monthly SIP needed to reach that goal.
7) What is wealth gain?
Wealth gain is the projected corpus minus the total amount you personally invested. It isolates estimated investment growth from the money you contributed over the full period.
8) How often should I review my SIP?
Review your SIP at least once a year, or sooner after salary changes, new goals, or major market events. Regular reviews help keep your investment plan realistic and on track.