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SIP Calculator India 2026

Estimate your SIP maturity value, wealth gain and inflation-adjusted corpus. Compare regular SIP, Step-Up SIP and Lumpsum investing, plan a target corpus and download a detailed year-by-year projection.

⚡ Calculate SIP Now 📘 How SIP Works
12%
Example Return
20Y
Long-Term View
10%
Step-Up Example
₹1Cr+
Goal Planning
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📊 SIP Calculator — Investment & Goal Planner

Amount invested regularly every month.
12%
This is an assumption, not a guaranteed return.
Long-term projections can be highly sensitive to return assumptions.
Used to estimate today's purchasing-power equivalent.
SIP contribution increases by this percentage every year.
Find the approximate SIP required to reach your target.
Tax estimates are simplified illustrations and are not tax advice.
⚙ Advanced Options
Total Invested
₹0
Wealth Gain
₹0
Maturity Value
₹0
Inflation Adjusted
₹0
Post-Tax Estimate
₹0
Effective Gain %
0%
Final Monthly SIP
₹0
Goal Required SIP
—
📈 Invested Amount vs Wealth Gain
💰 Corpus Growth Over Time
📊 Year-by-Year SIP Projection
Year Annual Investment Cumulative Invested Interest / Gain Closing Corpus Real Value
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What Is a SIP?

A Systematic Investment Plan, commonly called SIP, is a method of investing a fixed amount into a mutual fund at regular intervals, usually every month. SIP is an investment method rather than a separate asset class.

The actual return of a mutual fund is market-linked. Therefore, this calculator uses an assumed annual return to illustrate how regular investments may grow over time.

How This SIP Calculator Works

The calculator converts the assumed annual return into an equivalent monthly compounded rate and applies that rate to each monthly contribution. This avoids the common mistake of simply dividing an annual return by 12.

Monthly Rate = (1 + Annual Rate)1/12 − 1

Each SIP instalment remains invested for a different period. Therefore, earlier instalments generally have more time to compound than later instalments.

SIP Future Value Formula

FV = P × {[(1 + r)n − 1] ÷ r} × (1 + r)

Here, P is the periodic investment, r is the periodic return rate and n is the number of investment periods. The calculator also supports annual Step-Up contributions.

Why Inflation Matters

A future corpus may look large in nominal terms but have lower purchasing power after inflation. The inflation-adjusted figure shown by this calculator estimates what the future corpus would be worth in today's money using the inflation assumption entered.

SIP vs Step-Up SIP

With a regular SIP, the contribution remains unchanged. With a Step-Up SIP, the contribution increases periodically, commonly once every year. Increasing contributions can substantially change the final corpus because both the contribution and the time available for compounding increase.

SIP vs Lumpsum

SIP involves regular investments, while a Lumpsum investment puts a larger amount into the investment at one time. Neither method guarantees a particular return. The appropriate approach depends on available capital, financial goals, risk tolerance and investment strategy.

SIP Calculator Example

Suppose you invest ₹10,000 every month for 20 years and assume an annual return of 12%. The calculator estimates the total amount invested and the potential value created through compounding.

If you additionally select a 10% annual Step-Up, the monthly contribution increases every year. This can materially increase the projected corpus, but it also requires a higher contribution capacity over time.

These examples are illustrations only. Actual mutual fund returns may be higher or lower and can be negative over some periods.

Frequently Asked Questions

What is SIP?
SIP means Systematic Investment Plan. It is a method of investing a fixed amount at regular intervals, commonly monthly, into a mutual fund.
What return should I enter in a SIP calculator?
Enter a realistic long-term assumption rather than treating the number as a guaranteed return. Mutual fund returns are market-linked and can vary substantially.
Is 12% SIP return guaranteed?
No. A 12% assumption is only an illustration. Mutual fund returns are not guaranteed and actual performance can differ.
What is Step-Up SIP?
Step-Up SIP means increasing the SIP contribution periodically, usually once a year, by a fixed percentage.
Does this calculator consider inflation?
Yes. Enter an inflation assumption to see an estimated inflation-adjusted value of the future corpus.
Can I use this calculator to plan a ₹1 crore goal?
Yes. Enter ₹1,00,00,000 as the target goal. The calculator estimates the monthly SIP required under the selected return, tenure and Step-Up assumptions.
Does the tax calculation provide exact tax liability?
No. The tax section is an illustrative estimate. Actual mutual fund taxation depends on the fund type, purchase and redemption dates, gains, exemptions, transaction details and applicable tax rules.
Are SIP returns guaranteed?
No. SIP investments in mutual funds are market-linked. The calculator only projects a result using the return assumption entered by the user.

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Disclaimer

PDFTeq SIP Calculator provides indicative estimates for educational and planning purposes only. The calculator does not guarantee any investment return. Mutual fund investments are subject to market risks and actual returns may differ from the assumptions used. Tax calculations are simplified estimates and should not be treated as professional tax advice. Investors should review applicable scheme documents and consult a qualified financial or tax professional where appropriate.