SIP Calculator
Estimate your mutual fund SIP corpus with monthly investment, expected return, annual step-up, and inflation assumptions. Use this planner to set realistic goals for retirement, education, and long-term wealth building.
SIP Investment Planner
Monthly contribution, step-up, and inflation adjusted corpus forecast
₹
₹10.0K
%
12.0%
15 years
%
10.0%
%
6.0%
Estimated Maturity Value
₹85,97,871
Inflation-adjusted value: ₹35,87,591
Total Invested
₹38.13 L
Estimated Returns
₹47.85 L
Wealth Gain
126%
Year-wise Projection
| Year | Invested | Estimated Value | Gain |
|---|---|---|---|
| Year 1 | ₹1,20,000 | ₹1,26,825 | ₹6,825 |
| Year 2 | ₹2,52,000 | ₹2,82,417 | ₹30,417 |
| Year 3 | ₹3,97,200 | ₹4,71,693 | ₹74,493 |
| Year 4 | ₹5,56,920 | ₹7,00,320 | ₹1,43,400 |
| Year 5 | ₹7,32,612 | ₹9,74,822 | ₹2,42,210 |
| Year 6 | ₹9,25,873 | ₹13,02,707 | ₹3,76,834 |
| Year 7 | ₹11,38,461 | ₹16,92,601 | ₹5,54,141 |
| Year 8 | ₹13,72,307 | ₹21,54,411 | ₹7,82,105 |
| Year 9 | ₹16,29,537 | ₹26,99,505 | ₹10,69,968 |
| Year 10 | ₹19,12,491 | ₹33,40,917 | ₹14,28,426 |
| Year 11 | ₹22,23,740 | ₹40,93,580 | ₹18,69,840 |
| Year 12 | ₹25,66,114 | ₹49,74,596 | ₹24,08,481 |
| Year 13 | ₹29,42,725 | ₹60,03,530 | ₹30,60,805 |
| Year 14 | ₹33,56,998 | ₹72,02,762 | ₹38,45,764 |
| Year 15 | ₹38,12,698 | ₹85,97,871 | ₹47,85,173 |
SIP Planning Tips
- Stay invested for at least 7–10 years to benefit from compounding.
- Increase SIP annually with salary growth to accelerate corpus.
- Review fund performance periodically but avoid frequent switching.
- Match equity/debt allocation with goal horizon and risk appetite.
Frequently Asked Questions
What is a SIP and how does it work?
SIP (Systematic Investment Plan) lets you invest a fixed amount at regular intervals, usually monthly, into mutual funds. Each installment buys units at current NAV, helping average your purchase cost over time through rupee-cost averaging.
How much can ₹10,000 monthly SIP grow in 15 years?
At a 12% annual return assumption, a ₹10,000 monthly SIP for 15 years can grow to around ₹50 lakh, with total invested amount of ₹18 lakh. Actual returns vary based on market performance and fund selection.
What is step-up SIP?
Step-up SIP means increasing your SIP contribution every year by a fixed percentage. For example, increasing SIP by 10% annually usually builds a significantly higher corpus than a flat SIP over the same period.
Why should I check inflation-adjusted value?
Nominal corpus shows the future amount, while inflation-adjusted corpus shows estimated present-day purchasing power. This helps you set realistic long-term goals for education, retirement, and wealth creation.
Is SIP guaranteed?
No. SIP returns are market-linked and not guaranteed. SIP reduces timing risk and encourages discipline, but final value depends on market conditions, expense ratio, and investment duration.