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SIP Calculator

Step-up SIP · lumpsum · fees · inflation · market ups & downs · SWP retirement income
Region
Try
Your plan
₹
₹
Optional one-time amount invested at the start, on top of your monthly SIP.
%
yr
%
Your monthly amount increases by this much every year — typically matched to salary growth.
Real-world adjustments
Expense ratio (fund fees)
%
Index funds & ETFs: ~0.05–0.30%. Active mutual funds: ~1–2%. Deducted from returns every year.
Adjust for inflation
%
Shows what your corpus is actually worth in today's money.
Tax on gains (optional)
%
One flat rate on the profit at the end — no allowances. Enter your own effective rate; rules differ per country and account.
Market ups & downs
Show a simulated range
%
Broad stock indices have often moved 15–20% in a typical year, bonds far less. Illustrative only.

Investing ₹5,000 a month for 10 years (₹6,00,000 in total) at 12% a year grows to about ₹10,62,149. In today's money that is about ₹5,93,098.

Invested amount
₹6,00,000
Est. returns
₹4,62,149
Total value
₹10,62,149
Worth in today's money —
Lost to fund fees —

Illustrative projection from the numbers you enter — not a forecast and not investment advice.

Invested Value Today's money Without fees Simulated range (10–90%) Pinned plan hover or tap the chart for any year
Market ups & downssimulation — not a forecast
Rough low (1 in 10)—
Typical (median)—
Rough high (1 in 10)—

The same random histories are reused every time, so the numbers do not jump while you drag a slider. Real markets can do better or worse than any simulated path, and fees, taxes and your own behaviour are not modelled beyond what you entered above.

Your contributions—
Compound growth—
Paid in fees—
What if…same assumptions, one thing changed
You start later
Same monthly amount and end date
The return is different
Same plan, other average return
Same money, other plan
Flat SIP vs step-up vs lumpsum
Goal planner — reverse SIP
₹
Retirement income (SWP)what the corpus can pay out

A systematic withdrawal plan takes a monthly income from the corpus your SIP built, while the rest stays invested. It starts the month after the SIP ends.

%
%
As a share of the corpus, per year.
Raise the withdrawal every year with inflation
Year-by-year breakdown
YrInvestedGrowthValueToday's moneyRange 10–90%
1₹60,000₹3,518₹63,518₹59,923₹55.7K – ₹72.7K
2₹1,20,000₹14,023₹1,34,023₹1,19,280₹1.14 L – ₹1.59 L
3₹1,80,000₹32,284₹2,12,284₹1,78,237₹1.7 L – ₹2.59 L
4₹2,40,000₹59,153₹2,99,153₹2,36,957₹2.34 L – ₹3.83 L
5₹3,00,000₹95,578₹3,95,578₹2,95,599₹3.03 L – ₹5.14 L
6₹3,60,000₹1,42,609₹5,02,609₹3,54,320₹3.74 L – ₹6.94 L
7₹4,20,000₹2,01,414₹6,21,414₹4,13,276₹4.39 L – ₹8.85 L
8₹4,80,000₹2,73,288₹7,53,288₹4,72,622₹5.19 L – ₹11.18 L
9₹5,40,000₹3,59,667₹8,99,667₹5,32,512₹5.92 L – ₹13.95 L
10₹6,00,000₹4,62,149₹10,62,149₹5,93,098₹7.11 L – ₹16.36 L
⚠ Estimate only. This calculator assumes a constant annual return, which never happens in reality — real markets deliver returns unevenly, with sharp falls along the way. The simulated range shows how wide that spread can be, but it is a model, not a forecast. Taxes (unless you enter a flat rate), exit loads, transaction charges and currency movements are not included. Past performance does not predict future returns. This is an educational tool, not investment advice. I am not a financial adviser — consult a qualified one before making investment decisions.

Guide — from monthly amount to real-world outcome

Five steps from a monthly amount to what your plan is really worth.

1Pick a mode and region

SIP, lumpsum or step-up SIP, then ₹, €, $ or £. A preset loads a typical plan; the region loads sensible default returns, fees and inflation.

2Enter your plan

Monthly amount, an optional starting lumpsum, the expected yearly return and how many years you invest. Step-ups can be a percentage or a fixed amount.

3Add fees, inflation and tax

Set the fund’s expense ratio, an inflation rate and, if you like, a flat tax rate on the gain to see what you really keep.

4Read the chart and the range

Hover any year, then check the simulated range, the milestones and what starting later or another return would change.

5Plan backwards and share

Use the goal planner and the retirement-income panel, pin a plan to compare, then copy the link or export the CSV.

Which part answers which question

GROWTHHow much will I have?
Total value
Contributions plus compound growth, after fees
Milestones
When growth overtakes your contributions and when round numbers are reached
Table
Year-by-year numbers, exportable as CSV
REALITYWhat is it really worth?
Real value
The total in today’s money after inflation
Fee & tax drag
What the expense ratio and a flat tax cost
Ups & downs
A simulated low–typical–high range instead of one smooth line
DECISIONSWhat should I change?
What if
Starting later, another return, another plan
Goal
Monthly amount needed and time to reach a target
Income (SWP)
The monthly income the finished corpus can pay for 10 to 30 years

More about SIP calculators

Short answers, with figures computed by the same engine as the calculator above.

What is a SIP and how does a SIP calculator work?

A SIP (systematic investment plan) invests a fixed amount at regular intervals, usually every month, into a mutual fund or ETF. A SIP calculator projects what those contributions could grow into at an assumed average yearly return. This one also adds fund fees, inflation, an optional flat tax on the gain, a simulated range for market ups and downs and a retirement-income (SWP) view of the finished corpus.

What is the SIP formula?

M = P × ( [ (1 + i)n − 1 ] ÷ i ) × (1 + i), where P is the monthly amount, n the number of monthly payments and i the monthly rate. The last factor makes it an annuity due: each payment is made at the start of the month, like a real SIP debit. The calculator runs the same logic month by month so it can also handle step-ups, fees and a starting lumpsum.

How much will ₹5,000 a month grow to in 10 years?

At 12% a year with no fees, ₹5,000 a month for 10 years (₹6,00,000 invested) grows to about ₹11.2 lakh. A 1% expense ratio takes it to ₹10.6 lakh, a difference of about ₹58,000, and 6% inflation turns the fee-free figure into about ₹6.3 lakh in today's money.

What is a step-up SIP and how much extra does it give?

A step-up (or top-up) SIP raises the monthly amount every year, by a percentage or by a fixed amount, usually to follow salary growth. With ₹5,000 a month and a 10% yearly step-up for 10 years at 12%, ₹9,56,245 is invested and grows to about ₹16.3 lakh, against ₹11.2 lakh for the flat SIP: roughly 46% more.

SIP or lumpsum: which gives more?

On paper a lumpsum wins when you already hold the money and returns are steady, because all of it is invested for longer: ₹6,00,000 invested on day one at 12% reaches about ₹18.6 lakh in 10 years, against ₹11.2 lakh when the same ₹6,00,000 is spread over 120 months. A SIP wins in practice because it matches how people earn, removes the need to time the market and averages the purchase price. The “same money, other plan” bars compare both for your own numbers.

How do fund fees (the expense ratio) reduce my SIP?

The expense ratio is the yearly fee a fund takes from its value. It looks small but compounds every year: €250 a month for 20 years at 7% ends near €124,721 with a 0.2% index fund and near €107,696 with a 1.5% active fund, about €17,000 less on €60,000 of contributions. The calculator runs your plan twice, with and without the fee, and shows the difference as fee drag.

How does inflation change what my SIP is worth?

Real value = nominal value ÷ (1 + inflation)years. With 6% inflation, ₹11.2 lakh in 10 years buys what about ₹6.3 lakh buys today. Keep “adjust for inflation” switched on to see the purple dashed line on the chart, the “worth in today's money” card and a real-value column in the table.

How much SIP do I need for ₹1 crore?

At 12% a year with no fees, ₹1 crore needs about ₹10,871 a month over 20 years or ₹44,636 a month over 10 years. The goal planner solves this for your own return, period, fees and step-up, and the tables below list other returns and horizons.

What return should I assume for a SIP?

No figure is guaranteed. Long-run assumptions people commonly use are around 10 to 13% for Indian equity funds and 6 to 8% for global equity in developed-market currencies, with bond funds lower, but past returns do not predict the future. Use the “return is different” bars and the simulated range: if your plan only works at the optimistic end, it is fragile.

What is an SWP and how long will my corpus last?

A systematic withdrawal plan (SWP) takes a monthly income from invested money while the rest stays invested. After your SIP ends, the Retirement income panel shows the monthly income the corpus can pay for 10 to 30 years and how long a chosen withdrawal rate lasts. Example: ₹1 crore earning 8% a year can pay about ₹81,400 a month for 20 years (flat), or about ₹51,200 a month in the first year if the withdrawal is raised 6% every year to follow inflation.

What does the simulated range for market ups and downs mean?

Real returns are uneven, so one smooth line can mislead. The range runs your plan through 500 random market histories whose yearly swings you set, centred on the return you entered. The shaded band shows where 80% of them ended (10th to 90th percentile); “typical” is the median. For the default plan (₹5,000 a month, 10 years, 12%, 1% fee, 16% swings) the rough low is about ₹7.1 lakh, typical ₹10.8 lakh and rough high ₹16.4 lakh, and about 3.2% of the histories end below the money put in. It is a model, not a forecast: real markets can do better or worse.

Is a SIP return guaranteed? How is it different from an RD?

No. A SIP invests in market-linked funds, so returns are not guaranteed and the value can fall. A recurring deposit (RD) pays an interest rate fixed by the bank; a SIP pays whatever the fund earns. This calculator only shows what an assumed return would produce.

Why does my result differ from other SIP calculators?

Mostly because of three choices. Many calculators use a monthly rate of yearly ÷ 12, which turns 12% into 12.68% a year; this one uses the effective rate (1.12)1/12 − 1 = 0.9489% a month, so 12% really means 12% a year. Contributions are made at the start of the month here, as a SIP debit is. And fees, step-ups and inflation are often ignored. ₹1,000 a month for 12 months at 12% gives ₹12,766 here against ₹12,809 with the ÷ 12 rate.

Can I use it for ETF savings plans, a 401(k), IRA, ISA or SIPP?

Yes. “SIP” is Indian terminology, but the mechanism is universal: a monthly ETF savings plan (Sparplan in Germany and Austria), dollar-cost averaging into a 401(k), IRA or brokerage account in the US, and monthly Stocks & Shares ISA or SIPP contributions in the UK. Pick ₹, €, $ or £ for typical default returns, fees and inflation.

Does the calculator include tax?

Only if you switch on “tax on gains”: one flat rate applied to the profit at the end, without allowances, indexation or exemptions. Real tax depends on your country, account type and holding period and changes over time, so check it separately.

What is the difference between XIRR and CAGR?

CAGR is the smooth yearly rate that takes one amount to another over a period. XIRR is the yearly return of cash flows made on different dates, which is the right way to judge a SIP you already hold. This calculator does the opposite job: it projects forward from a return you assume.

Is my data private, and is this financial advice?

Every calculation runs in your browser and nothing you type is sent anywhere; a shared link only holds your inputs in its address. The only external requests are the font and an anonymous, cookie-free page-view counter. This is an educational calculator that does arithmetic on the assumptions you enter. It does not know your income, debts, taxes or risk tolerance and cannot predict markets, so talk to a regulated adviser before committing to a plan.

SIP return tables

Typical results from the same engine as the calculator: contributions at the start of each month, effective monthly rate, no fees, no step-up and no inflation adjustment. Tap any value to open that scenario in the calculator and add fees, inflation or a step-up.

SIP maturity value at 12% a year (₹)

Monthly SIP5 yr10 yr15 yr20 yr25 yr30 yr
₹500₹40.6K₹1.12 L₹2.38 L₹4.6 L₹8.51 L₹15.4 L
₹1,000₹81.1K₹2.24 L₹4.76 L₹9.2 L₹17.02 L₹30.81 L
₹2,500₹2.03 L₹5.6 L₹11.9 L₹23 L₹42.56 L₹77.02 L
₹5,000₹4.06 L₹11.2 L₹23.8 L₹45.99 L₹85.11 L₹1.54 Cr
₹10,000₹8.11 L₹22.4 L₹47.59 L₹91.99 L₹1.7 Cr₹3.08 Cr
₹25,000₹20.28 L₹56.01 L₹1.19 Cr₹2.3 Cr₹4.26 Cr₹7.7 Cr

L = lakh (1,00,000), Cr = crore (1,00,00,000).

Monthly plan at 7% a year (same numbers in €, $ or £)

Per month10 yr20 yr30 yr
10017.2K51K117.6K
25043K127.6K294K
50086K255.2K588K
1,000172K510.4K1.18M

K = thousand, M = million.

Monthly SIP needed for ₹1 crore

Time to goal8% a year10% a year12% a year15% a year
5 years₹1,36,214₹1,29,581₹1,23,299₹1,14,492
10 years₹55,162₹49,638₹44,636₹38,020
15 years₹29,431₹24,899₹21,011₹16,224
20 years₹17,462₹13,812₹10,871₹7,535
25 years₹10,931₹8,044₹5,875₹3,628
30 years₹7,054₹4,809₹3,246₹1,776

Monthly saving needed for 1 million (€, $ or £)

Time to goal4% a year6% a year7% a year9% a year
10 years6,7956,1255,8135,233
15 years4,0743,4693,1962,708
20 years2,7392,1951,9591,554
25 years1,9591,4711,270939
30 years1,4551,021850583
35 years1,108724581369

Illustrative arithmetic on assumed returns, not a forecast or advice. Real returns vary every year.

How a SIP calculator works, explained

A SIP (systematic investment plan) means investing a fixed amount at a regular interval, usually every month, into a mutual fund or ETF. A SIP calculator projects what those contributions grow into at an assumed average return. This one also shows the things most calculators leave out: fund fees, inflation, optional tax, the spread of outcomes when markets go up and down, and what the finished corpus can pay out as retirement income. You can test other scenarios next to your own.

The SIP formula

M = P × ( [ (1 + i)n − 1 ] ÷ i ) × (1 + i)

M is the maturity value, P the monthly amount, n the number of monthly contributions and i the monthly rate. The last factor (1 + i) makes it an annuity due: every contribution is made at the start of the month and earns a full month of return, which is how a SIP debit works in practice.

Why the monthly rate is not the yearly rate divided by 12

Compounding 1% a month for 12 months gives 12.68% a year, not 12%. To model a true 12% yearly return the monthly rate has to be (1.12)^(1/12) − 1 = 0.9489%:

i = (1 + yearly return)1/12 − 1

This calculator uses that effective monthly rate, so 12% really means 12% a year. Calculators that use 12% ÷ 12 show somewhat higher results for the same input. Example: ₹1,000 a month for 12 months at 12% grows to ₹12,766 on ₹12,000 invested.

Worked example: ₹5,000 a month for 10 years at 12%

Step-up SIP: the biggest lever you control

A step-up (or top-up) SIP raises the monthly amount every year, either by a percentage (often 5 to 10% to follow salary growth) or by a fixed amount, which you can pick next to the step-up field. The extra money arrives gradually, yet it compounds with everything else, which is why the step-up line in the “same money, other plan” comparison pulls away so clearly over long horizons.

The cost of starting later

Time does more work than the monthly amount. ₹5,000 a month at 12% for 20 years grows to about ₹46.0 lakh on ₹12 lakh invested. Start five years later with the same end date and you reach about ₹23.8 lakh on ₹9 lakh invested: a quarter less money in, but roughly half the result. The “you start later” bars show this for your own numbers.

What the expense ratio really costs

The expense ratio is the yearly fee a fund takes from its value. The calculator runs your plan twice, with and without the fee, and shows the difference as fee drag; the dashed orange line on the chart is the fee-free path. In Europe, €250 a month for 20 years at 7% ends near €124,700 with a 0.2% index fund, but near €107,700 with a 1.5% active fund: about €20,000 in fees on €60,000 of contributions.

Inflation and real value

Real value = Nominal value ÷ (1 + inflation)years

A large number decades away sounds impressive, but what matters is what it buys. The purple dashed line and the “worth in today’s money” card convert the total back to current prices.

SIP or lumpsum?

If you already hold the money and markets rise steadily, a lumpsum wins because every euro or rupee is invested for longer: ₹6 lakh invested on day one at 12% grows to about ₹18.6 lakh in 10 years, against ₹11.2 lakh when the same ₹6 lakh is spread over 120 months. A SIP wins in practice because it matches how people earn, removes the need to time the market and averages the purchase price through ups and downs. Many people do both: invest what they have now and keep a monthly plan running.

Choosing a realistic return

There is no guaranteed figure. Long-run assumptions people commonly use are around 10 to 13% for Indian equity funds and 6 to 8% for global equity in developed-market currencies, with bond funds lower. Real returns arrive unevenly, so check the “return is different” bars: if your plan only works at the optimistic end, it is fragile.

Market ups and downs: what the simulated range shows

A projection at a constant return is a single line; reality is a cloud. The market ups & downs panel runs your plan through 500 random histories. Every month gets a random return around the monthly equivalent of your yearly return, with the spread set by the volatility you choose (15 to 16% is a common ballpark for broad equity indices). The median path follows your plain projection, the shaded band shows where 80% of the histories ended, and the cards give a rough low (1 in 10), a typical (median) and a rough high (1 in 10) value, plus how many ended below the money you put in. The random numbers are fixed, so results do not jump as you drag a slider. It is a simplified model: it ignores crashes bigger than the chosen swing size implies, correlation between years and your own behaviour, so treat it as a reminder that outcomes spread out, not as a prediction.

SWP: turning the corpus into a monthly income

A systematic withdrawal plan pays you a fixed amount every month out of the money your SIP built, while the remainder keeps earning. The Retirement income panel takes the corpus at the end of your SIP (after tax, if you switched tax on), assumes a return while you withdraw, and answers two questions: how long does a withdrawal of a given percentage of the corpus last, and what monthly income can the corpus pay if it must last 10, 15, 20, 25 or 30 years. Withdrawals happen at the start of each month, and you can raise them every year with inflation so that the income keeps its purchasing power. The flat monthly income for n months is the annuity-due payment W = C ÷ ( [ 1 − (1 + i)−n ] ÷ i × (1 + i) ); with inflation-linked withdrawals the calculator solves it numerically. Example: ₹1 crore at 8% pays about ₹81,400 a month for 20 years flat, or about ₹71,000 a month for 30 years.

Tax on gains

Tax rules differ by country, account type, fund type and holding period, and they change, so the calculator does not hard-code any of them. If you switch on tax on gains you enter one flat rate; it is applied to the profit at the end (value minus contributions), with no allowance or exemption. The goal planner and the retirement-income panel then work with the amount you keep.

Why your real result will differ

The main projection assumes the same return every year. Real markets have strong years, flat years and crashes, and the order matters: a fall early in a SIP lets you buy cheaply for years, a fall near the end hurts more. Exit loads, transaction costs, tracking error and currency moves are not included, and tax only as the flat rate you enter. Taxes depend on your country, account type (for example 401(k), IRA, ISA, SIPP, PEA) and holding period, and the rules change, so check them separately.

XIRR is for looking back

XIRR measures the yearly return you actually earned on cash flows made on different dates, which is the right way to judge a SIP you already have. This calculator does the opposite job: it projects forward from a return you assume.

India, Europe, US and UK

“SIP” is Indian terminology, but the mechanism is universal: a monthly ETF savings plan (Sparplan in Germany and Austria), dollar-cost averaging into a 401(k), IRA or brokerage account in the US, and monthly Stocks & Shares ISA or SIPP contributions in the UK. Indian amounts use the lakh/crore format.

How this compares to a typical SIP calculator

FeatureTypical SIP calculatorThis calculator
SIP, lumpsum and step-upOften separate pagesOne page, three tabs
Step-up by % or by amountUsually % onlyBoth
Lumpsum plus monthly SIPRarelyYes
Expense ratio (fee drag)Usually excludedModelled and shown
Inflation-adjusted valueRarelyYes, on chart and cards
Tax on gainsRarelyOptional flat rate
Market ups and downsOne smooth lineSimulated low–typical–high range
What-if scenarios and pinning a planNoStart later, other return, other plan, compare with a pinned plan
Goal plannerSeparate toolMonthly amount and time to goal
SWP retirement incomeSeparate toolIncome for 10–30 years, or how long a withdrawal lasts
Year table, CSV, printRarelyYes
Shareable linkNoYes, all inputs

Goal planning: how much per month for ₹1 crore?

The goal planner solves backwards for the monthly amount, using your return, period, fee and step-up. At 12% without fees, ₹1 crore in 20 years needs about ₹10,900 a month; in 10 years it needs about ₹44,600 a month. It also tells you how long your current plan needs to get there.

Share a scenario with URL parameters

The address bar updates once you change an input, so a copied link reopens the exact scenario. Example: ?amount=5000&rate=12&years=10. Optional: mode (sip, lumpsum, stepup), lump, stepup (with steptype=amt for a fixed amount), er, infl, tax, vol (or mc=0 to hide the range), wr and wp (return and first-year rate for the retirement-income panel), currency (INR, EUR, USD, GBP) and goal.

Privacy

Every calculation runs in your browser. The page makes no network requests with your numbers; only the font and the anonymous, cookie-free page-view counter from Simple Analytics load externally.

Not financial advice

This is an educational calculator that does arithmetic on the assumptions you enter. It does not know your income, debts, taxes or risk tolerance and cannot predict markets. Talk to a regulated adviser before committing to a plan.

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