Advanced Wealth Modeler

SIP Calculator

6+ years industry exp | MBA Finance | CEH Certified

Updated: August 2026

Calculate how your monthly investments grow over time using the magic of compounding. Use the Step-Up feature to match your salary hikes, and the Inflation toggle to see your true purchasing power.

Investment Plan

Monthly Investment ₹

₹

Time Period

Yrs

Expected Annual Return

Conservative: 10% | Aggressive: 14%

Annual Step-Up

Increase SIP yearly.

Adjust for Inflation

See real purchasing power.

Expected Total Value

0.0x Wealth

₹0

Total Amount Invested ₹0

Wealth Gained (Returns) ₹0

Insight: Loading insight...

Portfolio Breakdown

📌 Why Calculate Inflation?

A crore in 2045 won't buy you what a crore buys today. That's the reality of inflation.

Our Inflation-Adjusted SIP Calculator takes your future maturity value and discounts it backwards using the average inflation rate (e.g., 6%).

This reveals your portfolio's "Real Purchasing Power" in today's money. Always plan your retirement based on the adjusted value, not the nominal value!

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🌱 What is a Step-Up SIP?

A normal SIP involves investing a fixed amount (e.g., ₹5,000) every month for a specific period. However, as your career progresses, your salary typically increases every year. A Step-Up SIP (or Top-up SIP) allows you to automatically increase your monthly investment by a fixed percentage (e.g., 10%) every year to match your rising income.

This seemingly small yearly increment drastically accelerates your wealth creation and helps you reach your financial independence goals much earlier.

🚀 The Magic of Compounding (Normal vs Step-Up)

Let's look at a 20-year horizon at an expected 12% return to see why stepping up is vital.

Normal SIP

Invest ₹10,000/month flat

Value: ₹1.00 Crore

Total Invested: ₹24 Lakhs

Step-Up SIP (10% Yearly)

Start with ₹10,000 + 10% increase/yr

Value: ₹1.95 Crores

Almost Double the Wealth!

Mutual Fund SIPs: Frequently Asked Questions

Why do real SIP returns differ from calculator results?

This calculator uses a constant CAGR (Compound Annual Growth Rate) formula. In reality, equity mutual funds are volatile—they might return 25% one year and -5% the next. The calculator shows the 'average expected value' over a long horizon, effectively smoothing out market volatility.

What is a realistic expected return (ROI) to enter?

Historically in India, Large Cap funds yield about 10-12%, Flexi/Multi-Cap funds yield 12-14%, and Small/Mid-Cap funds can yield 14-16% over periods of 10+ years. If you are investing in Debt Funds, a realistic expectation is 7-8%. Always plan conservatively.

Is the final maturity amount tax-free?

No. Equity mutual fund gains held for more than 1 year are subject to Long Term Capital Gains (LTCG) tax. As per recent budgets, gains exceeding ₹1.25 Lakhs in a financial year are taxed at 12.5%. Keep this tax liability in mind when estimating your net in-hand wealth.