SIP Calculator with Step Up, Inflation & Lump Sum
10 Thousand
₹
Yr
%
Zero
₹
%
%
Total Value₹3,52,99,138
Total Value
₹3,52,99,138
3.53 Crore
Invested
₹36,00,000
36 Lakh
Earned
+₹3,16,99,138
3.17 Crore
Set your Monthly Investment Amount
Enter how much you plan to invest every month. Use the slider or type directly. Even small amounts create significant wealth over long periods.
Choose your Time Period
Select how many years you plan to stay invested. Longer durations dramatically increase returns due to the power of compounding.
Enter the Expected Return Rate
Equity markets have historically returned 10–15% p.a. over long periods globally. Adjust based on your asset class and market.
Add an Initial Lump Sum (optional)
If you have a one-time amount to invest alongside your monthly SIP, enter it here. It compounds at the same rate from day one.
Set your Annual Step-Up
A step-up increases your monthly investment by a fixed % each year — perfect for anyone whose income grows annually.
Factor in Inflation
Set an expected inflation rate to see the real purchasing power of your future corpus. The yellow bar shows your inflation-adjusted value.
⚠️ Disclaimer: This calculator provides illustrative projections only. Actual investment returns are subject to market risk and may be higher or lower. Past performance does not guarantee future results. Please read all relevant fund documents carefully and consult a qualified financial advisor before investing.
Built to fill a gap — one free calculator combining SIP, step-up, lump sum, and inflation adjustment on a single page, updating in real time.
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