SIP Calculator with Step-up & Inflation
Returns are an assumption, not a promise — try a cautious and an optimistic rate. The inflation-adjusted figure shows what the corpus would buy today.
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How it's calculated
- Each month: value = (value + instalment) × (1 + i), with i = annual return ÷ 12 ÷ 100
- Without step-up this equals FV = P × ((1 + i)ⁿ − 1) ÷ i × (1 + i)
- Inflation-adjusted value = FV ÷ (1 + inflation)^years
Worked example
₹10,000 a month for 10 years at 12% → about ₹23.2 lakh.
Load this example into the calculatorAssumptions and limits
- Constant return every month.
- Instalment invested at the start of each month.
- Step-up applied once a year.
Common questions
Why do other SIP calculators show slightly different numbers?
Some use a monthly rate of annual ÷ 12 (as here), others use the compound-equivalent (1 + annual)^(1/12) − 1, and some assume end-of-month investment. Differences of 1–3% are normal.