Advanced SIP Calculator
Step-Up & Inflation
See exactly how your wealth grows — with step-up SIP, inflation adjustment, and real-time results.
Your Wealth Projection
Disclaimer: For educational purposes only. Not financial advice. Consult a qualified financial advisor before investing.
Everything About SIP
Learn how SIP works, the formula, and how to read the results.
What is a SIP Calculator?
A SIP Calculator estimates the future value of your Systematic Investment Plan contributions using compound interest, step-up increments, and inflation adjustment.
How to Use This Calculator
- Choose your currency
- Set monthly investment amount
- Enter expected annual return (%)
- Set investment duration (years)
- Add step-up % if income grows yearly
- Set your expected inflation rate
SIP Formula
The standard SIP formula applies compound interest monthly to each contribution:
P = monthly amount · r = monthly rate · n = months
Why Start Early?
Starting just 5 years earlier can nearly double your final corpus. Time is your most powerful asset in investing.
- Age 25 vs 30: ~2× more wealth at 60
- Small amounts early beat large amounts late
- Every month delayed is opportunity lost
The Best Time to Invest Was Yesterday. The Next Best Time is Now.
Every year you delay, you lose the irreversible power of compounding. Don't wait — start your SIP today.
SIP Investing Guide
Everything you need to know about SIP, compounding, and building long-term wealth.
What is SIP?
A Systematic Investment Plan (SIP) lets you invest a fixed amount monthly into mutual funds or ETFs. Known as Dollar-Cost Averaging (DCA) globally, it removes the need to time the market.
- No market timing needed
- Starts from as low as ₹100/month
- Fully automated after setup
Power of Compounding
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- Returns compound every month
- 5 extra years can double your corpus
- Time beats investing more money
Step-Up SIP Advantage
A 10% step-up means ₹5,000/month becomes ₹5,500 next year, ₹6,050 the year after. Over 20 years this generates 40–60% more wealth.
- Matches your income growth
- Even 5% step-up adds huge value
- Most platforms support it natively
Inflation Impact
If your SIP earns 12% and inflation is 6%, your real return is only ~6%. Our calculator shows the inflation-adjusted real value — what your money is actually worth when you need it.
- Global inflation avg: 3–7% yearly
- Always plan in real, not nominal, terms
- Equity SIPs historically beat inflation
SIP Around the World
- USA: DCA via Robinhood, Vanguard
- India: SIP via Groww, Zerodha, Paytm Money
- Europe: eToro, Trade Republic
- Asia: Syfe, StashAway, Endowus
- 15 currencies supported in our calculator
Return Rate Guide
- Equity / index funds: 10–12%
- Balanced / hybrid funds: 7–9%
- Debt / bond funds: 5–7%
- Conservative estimate: use 8%
- Always review and rebalance yearly