SIP Calculator — Calculate SIP Returns with Step-up & Inflation
UtilityCalculate SIP returns with step-up SIP and inflation adjustment. See year-by-year growth, total investment, returns and real value. Free SIP calculator online.
Step-up SIP
Increase SIP amount every year
Inflation Adjustment
See real value after inflation
About the SIP Calculator — Calculate SIP Returns with Step-up & Inflation
Our free SIP calculator projects the future value of your Systematic Investment Plan with advanced features including Step-up SIP (annual increment) and inflation-adjusted real returns. Enter your monthly SIP, expected return rate and duration. Enable Step-up SIP to model annual increases. Enable inflation adjustment to see the real purchasing power of your maturity value. A year-by-year breakdown table shows your investment growth annually.
How to Use the SIP Calculator — Calculate SIP Returns with Step-up & Inflation
- 1
Enter your monthly SIP amount.
- 2
Enter expected annual return rate.
- 3
Enter investment period in years.
- 4
Optionally enable Step-up SIP and set the annual step-up percentage.
- 5
Optionally enable Inflation Adjustment and set inflation rate.
- 6
Click Calculate SIP to see full results and year-by-year breakdown.
Frequently Asked Questions
What is a SIP?
A Systematic Investment Plan invests a fixed amount regularly into a mutual fund. SIP builds wealth through rupee cost averaging and compounding without needing a large lump sum.
What is Step-up SIP?
Increasing your monthly SIP by a fixed percentage each year — e.g. ₹10,000/month increasing 10% annually. Aligns investment growth with salary increases.
What return rate should I use?
10–12% for conservative estimates, 12–14% moderate, 14–16% aggressive for equity funds. Past performance does not guarantee future returns.
What does inflation adjustment show?
The real purchasing power of your corpus in today's money. Helps set realistic financial planning expectations.