SIP Calculator with Step-Up & Inflation
Calculate real post-tax SIP returns with step-up, inflation, and LTCG — free & instant.
This SIP calculator goes beyond basic SIP math to show what your mutual fund investments are truly worth. Enter your monthly SIP, expected return, and tenure to instantly see your corpus — then toggle on step-up growth, inflation adjustment, LTCG tax, and expense ratio for a realistic, India-specific projection. No ads, no sign-up, and one-click share so you can plan and send your goals in seconds.
Total corpus at maturity
₹11,61,695
₹6 L invested → ₹5.62 L estimated returns
₹5K / month
Quick presets
Total invested
₹6,00,000
Est. returns
₹5,61,695
Maturity corpus
₹11,61,695
Value in today's ₹
₹6,48,685
adjusted for 6% inflation
Invested vs. returns
Year-by-year growth
Year-wise breakdown
| Year | Monthly SIP | Invested | Returns | Corpus |
|---|---|---|---|---|
| 1 | ₹5,000 | ₹60,000 | ₹4,047 | ₹64,047 |
| 2 | ₹5,000 | ₹1,20,000 | ₹16,216 | ₹1,36,216 |
| 3 | ₹5,000 | ₹1,80,000 | ₹37,538 | ₹2,17,538 |
| 4 | ₹5,000 | ₹2,40,000 | ₹69,174 | ₹3,09,174 |
| 5 | ₹5,000 | ₹3,00,000 | ₹1,12,432 | ₹4,12,432 |
| 6 | ₹5,000 | ₹3,60,000 | ₹1,68,785 | ₹5,28,785 |
| 7 | ₹5,000 | ₹4,20,000 | ₹2,39,895 | ₹6,59,895 |
| 8 | ₹5,000 | ₹4,80,000 | ₹3,27,633 | ₹8,07,633 |
| 9 | ₹5,000 | ₹5,40,000 | ₹4,34,108 | ₹9,74,108 |
| 10 | ₹5,000 | ₹6,00,000 | ₹5,61,695 | ₹11,61,695 |
Total corpus
₹11,61,695
Estimates are indicative and assume a constant annual return compounded monthly. Mutual fund investments are subject to market risks; actual returns will vary. LTCG and inflation figures are simplified estimates, not tax or investment advice.
What a monthly SIP grows into
Estimated maturity corpus at a 12% annual return (flat SIP, before tax and inflation). Your own numbers may differ — use the calculator above to model them.
| Monthly SIP | 10 years | 15 years | 20 years | 30 years |
|---|---|---|---|---|
| ₹2K/mo | ₹4.65 L | ₹10.09 L | ₹19.98 L | ₹70.6 L |
| ₹5K/mo | ₹11.62 L | ₹25.23 L | ₹49.96 L | ₹1.76 Cr |
| ₹10K/mo | ₹23.23 L | ₹50.46 L | ₹99.91 L | ₹3.53 Cr |
| ₹25K/mo | ₹58.08 L | ₹1.26 Cr | ₹2.5 Cr | ₹8.82 Cr |
Step-up SIP vs. flat SIP
Both start at ₹10,000/month for 20 years at 12%. The step-up version raises the contribution 10% every year — roughly a typical salary hike.
Flat SIP corpus
₹99.91 L
10% step-up corpus
₹1.99 Cr
Extra wealth
+99%
Related calculators
SIP calculator guide
What a Systematic Investment Plan actually does to your money, the levers that change the outcome, and how to read the numbers this calculator gives you.
What is a SIP?
A Systematic Investment Plan (SIP)is a way of investing a fixed amount into a mutual fund at regular intervals — usually every month — instead of a single lump sum. Each instalment buys units at that month's price, so you automatically buy more units when markets are low and fewer when they are high. This is called rupee-cost averaging, and it removes the need to time the market.
Why compounding does the heavy lifting
Every month your returns earn their own returns. Early instalments compound for the full tenure, which is why a SIP started even a few years earlier can end up dramatically larger. In the year-by-year chart above, notice how the returns bar overtakes the invested bar in the later years — that crossover is compounding at work.
The four levers that change your corpus
Step-up
Raising your SIP each year (e.g. with your salary) invests more money earlier, so it compounds longer. The single biggest free upgrade to most plans.
Inflation
A future corpus is worth less in today's terms. The inflation toggle restates it in present-day rupees so you plan for real purchasing power.
LTCG tax
Equity gains above ₹1.25 lakh are taxed at 12.5% on redemption. The post-tax figure is closer to what actually lands in your bank account.
Expense ratio
The fund's annual fee quietly drags on returns. Over 20+ years, the gap between a direct plan (~0.5%) and a regular plan can be 15-20% of your corpus.
Working backwards from a goal
Switch to the Goaltab when you already know the target — say ₹1 crore for retirement or ₹50 lakh for a child's education — and want to know the monthly SIP required to get there. Adjust the return rate and tenure to find a contribution that fits your budget.
How to use this calculator
- Set your monthly SIP, expected return, and tenure — the corpus updates instantly.
- Open Advanced options to layer on step-up, inflation, LTCG, and expense ratio.
- Check the year-wise table to see when returns start outpacing contributions.
- Copy the share link or save the image/CSV to revisit or send to a family member or advisor.
Frequently Asked Questions
SIP maturity math, step-up, LTCG tax, inflation, return assumptions, and how sharing works.