// Plan your investments
SIP Calculator
See how a monthly SIP can grow, with step-ups and inflation.
- Free
- No sign-up
- Year-by-year view
Estimate the future value of a monthly investment. Add a yearly step-up, compare it with what you put in, and see the value in today's money after inflation.
Estimated value
₹86,83,849
You invest
₹38,12,698
Estimated gain
₹48,71,152
In today's money
₹36,23,467
Estimated valueAmount investedLast year's SIP: ₹37,975/month
Year-by-year table
| Year | Monthly SIP | Invested | Value |
|---|---|---|---|
| 1 | ₹10,000 | ₹1,20,000 | ₹1,28,093 |
| 2 | ₹11,000 | ₹2,52,000 | ₹2,85,241 |
| 3 | ₹12,100 | ₹3,97,200 | ₹4,76,410 |
| 4 | ₹13,310 | ₹5,56,920 | ₹7,07,323 |
| 5 | ₹14,641 | ₹7,32,612 | ₹9,84,570 |
| 6 | ₹16,105 | ₹9,25,873 | ₹13,15,734 |
| 7 | ₹17,716 | ₹11,38,461 | ₹17,09,527 |
| 8 | ₹19,487 | ₹13,72,307 | ₹21,75,956 |
| 9 | ₹21,436 | ₹16,29,537 | ₹27,26,501 |
| 10 | ₹23,579 | ₹19,12,491 | ₹33,74,326 |
| 11 | ₹25,937 | ₹22,23,740 | ₹41,34,516 |
| 12 | ₹28,531 | ₹25,66,114 | ₹50,24,342 |
| 13 | ₹31,384 | ₹29,42,725 | ₹60,63,565 |
| 14 | ₹34,523 | ₹33,56,998 | ₹72,74,790 |
| 15 | ₹37,975 | ₹38,12,698 | ₹86,83,849 |
Estimates only. Market returns change and are not guaranteed. This is not investment advice.
How it works
- 1Set your SIPMonthly amount, years and an expected yearly return.
- 2Add a step-upIncrease the SIP every year as your income grows.
- 3Read the growthInvested vs. estimated value, year by year, and in today's money.
Good to know
- Formula (fixed SIP)
- P × [(1 + i)ⁿ − 1] ÷ i × (1 + i)
- i
- Expected yearly return ÷ 12
- n
- Number of monthly payments
- Note
- Returns are estimates and are not guaranteed
Rules as of October 2026. Government rules change; an expert confirms before you file or pay.
Want an expert to handle it?
The calculator gives you the numbers. Our CA/CS team does the filing, end to end.
Questions people ask
Still unsure? Call +91 87008 03368
How is SIP value calculated?
Each monthly payment grows at the expected monthly rate until the end of the period. The calculator adds up every payment's growth; with a step-up, the monthly amount rises once a year.
What return should I assume?
Use a conservative figure for your type of fund and remember that returns vary from year to year. The result is an estimate, not a promise.
What does inflation-adjusted value mean?
It shows what the future amount would be worth in today's money, so you can judge whether it meets your goal.