Contribution planning
Estimate how a fixed monthly amount accumulates over a chosen horizon.
A sustainable contribution is more useful than a larger number that cannot be maintained.
Free browser tool
Finance
SIP Calculator
Model SIP or lump-sum growth from a constant return assumption, optional annual step-up, inflation input, chart, and yearly breakdown.
- Free public tool
- No sign-up for this tool
- Processing clearly labeled
- Instant results
Content last reviewed
₹
The amount auto-debited into the fund each month.% / yr
A scenario assumption, not a forecast or promise. Run a range of rates and account for costs, tax, and risk separately.yrs
Longer horizons benefit disproportionately from compounding.%
Increase your monthly SIP by this % each year, e.g. as your salary grows.%
Used to show what the maturity amount is worth in today's money.What the numbers mean
Absolute return on money invested180.3%
Worth in today's money (after 6% inflation)₹10,52,710
Growth as a multiple of what you put in2.80×
Growth over time
₹64.0K
₹1.36L
₹2.18L
₹3.09L
₹4.12L
₹5.29L
₹6.60L
₹8.08L
₹9.74L
₹11.62L
₹13.73L
₹16.11L
₹18.80L
₹21.82L
₹25.23L
Contributions Growth
Year-by-year breakdown
| Year | Invested | Value | Gain |
|---|---|---|---|
| Y1 | ₹60,000 | ₹64,047 | ₹4,047 |
| Y2 | ₹1,20,000 | ₹1,36,216 | ₹16,216 |
| Y3 | ₹1,80,000 | ₹2,17,538 | ₹37,538 |
| Y4 | ₹2,40,000 | ₹3,09,174 | ₹69,174 |
| Y5 | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 |
| Y6 | ₹3,60,000 | ₹5,28,785 | ₹1,68,785 |
| Y7 | ₹4,20,000 | ₹6,59,895 | ₹2,39,895 |
| Y8 | ₹4,80,000 | ₹8,07,633 | ₹3,27,633 |
| Y9 | ₹5,40,000 | ₹9,74,108 | ₹4,34,108 |
| Y10 | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 |
| Y11 | ₹6,60,000 | ₹13,73,074 | ₹7,13,074 |
| Y12 | ₹7,20,000 | ₹16,11,261 | ₹8,91,261 |
| Y13 | ₹7,80,000 | ₹18,79,656 | ₹10,99,656 |
| Y14 | ₹8,40,000 | ₹21,82,090 | ₹13,42,090 |
| Y15 | ₹9,00,000 | ₹25,22,880 | ₹16,22,880 |
Overview
Explore SIP and lump-sum scenarios without turning assumptions into promises
Choose a monthly SIP or one-time lump sum, then vary the annual return, duration, optional annual SIP step-up, and inflation rate. The page compounds a constant return and shows invested amount, projected value, gain, purchasing-power estimate, chart, and yearly table; it does not forecast a fund or market path.
Two investment modes
Model monthly contributions or one upfront amount without mixing the two cash-flow patterns.
Nominal and real views
Compare projected future value with a separate inflation-adjusted amount in today's money.
Yearly progression
A chart and table separate cumulative contributions from modeled growth at each year end.
Annual SIP step-up
Increase the monthly amount every 12 months to test an escalating contribution plan.
How it works
Using SIP Calculator, start to finish
Three steps, in the order the tool above actually takes them.
- 1
Choose the cash-flow pattern
Select monthly SIP or one-time lump sum and enter an amount you could actually sustain or invest.
- 2
Set a range of assumptions
Run conservative, middle, and optimistic returns rather than relying on a single smooth percentage.
- 3
Account for real-world deductions
Review product costs, taxes, liquidity, risk, and suitability outside the projection before investing.
Use cases
What people bring here
The jobs this page is usually opened for, and the setting that makes each one quick.
Annual step-up scenario
Test a percentage increase to the monthly contribution after each completed year.
The model applies the new amount every 12 months; it does not know future income.
Purchasing-power check
Compare the headline maturity estimate with its value after the entered inflation assumption.
Inflation varies across time and spending categories, so test more than one rate.
Smooth compounding hides market paths
A scenario can explain sensitivity, but it cannot predict returns
The calculator applies the same average return through the entire horizon. Real investments experience gains, losses, fees, taxes, tracking differences, contribution delays, and sequence effects, so the output is best used to compare assumptions rather than select a product.
| Projection field | Unsafe conclusion | Responsible interpretation |
|---|---|---|
| Expected return | This annual percentage is likely or guaranteed. | It is a user-entered scenario input, not a forecast. |
| Future value | This amount will be available on the end date. | It is the result of constant compounding before expenses and taxes. |
| Inflation-adjusted value | This predicts the future cost of my exact goals. | It discounts the projection by one constant general inflation assumption. |
| Step-up result | Future income will support each increase. | It shows the mathematical effect if every scheduled increase is made. |
Expected return
This annual percentage is likely or guaranteed.
It is a user-entered scenario input, not a forecast.
Future value
This amount will be available on the end date.
It is the result of constant compounding before expenses and taxes.
Inflation-adjusted value
This predicts the future cost of my exact goals.
It discounts the projection by one constant general inflation assumption.
Step-up result
Future income will support each increase.
It shows the mathematical effect if every scheduled increase is made.
Privacy
Where your work is processed
Investment amounts, return, duration, step-up, inflation, currency, chart, and yearly breakdown are calculated locally and remain in the current tab. Copy summary is the only output action, and nothing is autosaved or sent to a fund provider.
Calculator inputs stay on this device
The arithmetic runs in the browser and does not connect to a bank, lender, fund, tax account, marketplace, payroll system, or credit bureau. Copy and download actions occur only after you choose them.
Local saving is limited and explicit
Most Finance tools keep values only in the open tab. Profit scenarios are saved to localStorage only when you select Save, while the Invoice Generator autosaves its draft, business profile, invoice number, and embedded logo in localStorage.
Outputs are planning aids
Results follow the entered assumptions and published formulas. They are not quotes, forecasts, filings, affordability decisions, accounting records, or financial, tax, legal, lending, or investment advice.
One aggregate page view may be counted
The page shell can send the tool slug, never calculator inputs, invoice fields, saved products, or results. The endpoint is rate-limited with a transient requesting address and is skipped for Do Not Track or Global Privacy Control.
More detail in how processing works and our privacy policy.
Limits
Projection inputs and model scope
The values this tool actually enforces, not a rounded-up version.
- Modes
- SIP / lump sum
- Monthly deposits are modeled separately from one upfront investment.
- Return
- 0 to 40%
- A constant nominal annual assumption, not a product forecast.
- Horizon
- 1 to 50 years
- SIP months are rounded from the entered number of years.
- Excluded
- Fees tax volatility
- No fund expense, load, tax, or variable-return path is modeled.
No product recommendation, market forecast, risk score, tax calculation, or return guarantee
The projection assumes a smooth constant return — real market returns vary year to year and can be negative, and the model excludes fund expense ratios, exit loads, and taxes, all of which reduce realized outcomes. Step-up is a fixed annual percentage; irregular top-ups are not modelled. The inflation view is a single-rate discount. As the built-in disclaimer states: projections only, market risks apply, and scheme documents and qualified advice govern real decisions.
FAQ
SIP and lump-sum projection questions
The ones that actually come up.
Guides
Reading that goes deeper
How to calculate EMI on any loanThe EMI formula explained in plain terms, a worked example, and what actually happens to your money over the life of a loan.Read The Power of Compounding: How Small, Regular Investments Build Real WealthCompounding is the quiet force behind wealth built slowly. Here's how it really works, why starting early beats investing more, and how to run your own SIP numbers.Read