Free tools · Calculator · 1 minute

What will your SIP grow to?

Enter a monthly amount and a time frame. We show what it becomes, how much of that you put in, and what it buys after inflation.

SEBI Registered Investment Adviser · INA000020572 · Fee-only, zero commissions

Your SIP

₹
years
% a year
%
Leave at 0 for a flat SIP. Try 10 to see what a yearly raise does.
Change the assumptions
% a year
₹
After years, you would have ₹0

In today's rupees, after inflation₹0
Monthly SIP in the final year₹0

Questions

How does a SIP calculator work?

It adds your monthly instalment to the running total and grows the total by one month's return, every month, for the years you choose. If you set a step-up, the instalment rises by that percentage each year. The result is an illustration at a steady return. Real returns arrive unevenly.

What return should I assume for a SIP?

For a SIP in equity funds held for ten years or more, 10% to 12% a year is a common planning figure. For debt funds, 6% to 7%. These are assumptions, not promises, and a cautious figure makes for a safer plan.

What is a step-up SIP?

A SIP that rises by a fixed percentage every year, usually in line with your pay. A 10% yearly step-up on a ₹10,000 SIP roughly doubles the final amount over twenty years compared with a flat SIP.

Why show the value after inflation?

Because ₹1 crore in twenty years will not buy what ₹1 crore buys today. At 6% inflation it buys about what ₹31 lakh does now. The inflation-adjusted figure tells you what the money is really worth to you.

More free tools

Calculator · 1 minute

Lumpsum calculator

What a one-time investment grows to, its value after inflation, and how spreading it out compares.

Calculate a lump sum Calculator · 1 minute

SWP calculator

How long a corpus lasts with monthly withdrawals that rise with inflation, and what you can safely draw.

Plan withdrawals Calculator · 1 minute

Capital gains tax calculator

The tax on selling shares, mutual funds, gold or property, with the rate that applies and why.

Calculate the tax

See all tools and guides

This page is for education. It shows an illustration built from the numbers and assumptions you enter. It is not investment, tax or legal advice, and it does not take your full circumstances into account. Rates of return are assumptions, not promises. Tax rules change, so check the current rules or speak to an advisor before you act.

Invsify Technologies Private Limited is a SEBI Registered Investment Adviser, Registration No. INA000020572. Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Past performance is not indicative of future results.