SIP Calculator
SIP growth with step-up support and the inflation-adjusted real value most calculators skip.
This is a calculator, not tax advice. It estimates outcomes based on publicly available rules and typical provider pricing — it does not account for your specific circumstances. Rules and rates change. Verify anything you rely on with a qualified CA before you act on it. Expected returns are an assumption you enter, not a guarantee — mutual fund returns are market-linked.
Total invested
₹18,00,000
Nominal future value
₹50,45,760
Wealth gained
₹32,45,760
What that corpus is actually worth in today's money: ₹21,05,419
Most SIP calculators only show the nominal figure above. At 6% assumed inflation, your future corpus buys meaningfully less than the headline number suggests — this is the number to plan against, not the nominal one.
How this is calculated
This uses the annuity-due convention — each month's installment is treated as landing at the start of the month and earning that month's return, matching how SIPs are typically debited and how most Indian SIP calculators compute the standard formula. With a step-up percentage set, the contribution increases at each 12-month mark and the corpus is computed month-by-month rather than via a closed-form formula, since step-up has no simple one.
The real (inflation-adjusted) value discounts the nominal future value by your assumed annual inflation rate, compounded over the full investment period — giving you a number in today's purchasing power rather than tomorrow's inflated rupees.
Frequently asked questions
What's a step-up SIP, and why does it matter?
A step-up SIP increases your monthly contribution by a fixed percentage every year — matching the reality that most people's income grows over time. Even a modest 10% annual step-up compounds into a meaningfully larger corpus than a flat SIP of the same starting amount, and this tool models it exactly rather than approximating.
Why show 'real' value alongside the nominal future value?
Because ₹1 crore in 20 years doesn't buy what ₹1 crore buys today. Most SIP calculators only show the nominal (unadjusted) future value, which can overstate what your corpus will actually be worth. This tool discounts the nominal figure by your assumed inflation rate so you're planning against a number that reflects real purchasing power.
Is the expected return rate guaranteed?
No — mutual fund returns are market-linked and not guaranteed at any rate. The percentage you enter is an assumption for projection purposes, not a promise. Past fund performance and category averages can inform a reasonable assumption, but actual returns will vary.
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