Estimate regular and annual step-up SIP contributions, nominal growth and today’s purchasing power. Change every input and see the estimate update immediately.
Your estimate
₹32,68,898
Estimated value
Amount contributed
₹19,12,491
Estimated growth
₹13,56,408
Today’s purchasing power
₹18,25,336
Educational estimate only. Methodology 2026.08. This is not a return promise, loan offer, tax filing or financial recommendation.
Understanding the calculator
A Systematic Investment Plan is a way to invest a fixed amount in a mutual fund at regular intervals. It is an investment method, not a separate asset class or a guarantee of returns. This calculator estimates how monthly contributions and an optional annual step-up could accumulate over time.
A SIP calculator combines your starting monthly contribution, annual step-up, investment period and assumed annual return to illustrate total contributions, estimated growth and future value. It is useful for scenario planning before you evaluate an actual scheme.
Methodology
Worked example. At ₹1,000 per month for 12 months with a 12% effective annual return and no step-up, the effective monthly rate is about 0.95%. Contributions made at the beginning of each month produce an illustrative value of approximately ₹12,766.
No. A mutual fund is an investment vehicle; SIP is a periodic contribution method.
It is an educational tool that applies the disclosed monthly compounding method to the assumptions you enter.
No. Results are estimates, not forecasts, approvals, quotations or guarantees.
Testing conservative and optimistic inputs exposes uncertainty instead of hiding it behind one number.
Only when a tax or fee is shown as an explicit input or result. Otherwise it is excluded.
The mathematics follows the stated methodology, while real outcomes depend on rates, timing, rules, fees and circumstances.
No. Use it for education and scenario comparison, then verify decisions with official documents or a qualified professional.
Inflation translates a future amount into approximate present-day purchasing power. The default 6% is editable and is not a forecast.
Recalculate when rates, income, contributions, rules, goals or repayment terms change.
Yes. Institutions may use different compounding dates, rounding, charges and eligibility rules.
No. Calculations run locally in your browser and the input values are not sent to a calculation server.
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