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SIP CALCULATOR — RETURNS + STEP-UP + INFLATION + GOAL MODE | 100% PRIVATE

100% Private: Calculation aapke browser me hoti hai — koi data kahin nahi jata.
SIP DETAILS
Equity: 10-13% | Hybrid: 8-10% | Debt: 6-7%
Step-up 10% daalo to har saal aapki SIP 10% badhegi (salary growth ke saath). Inflation daalo to aaj ki value me "real" corpus dikhega.
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MATURITY VALUE
—
TOTAL INVESTED
—
WEALTH GAINED
Aapka paisaCompounding ka paisa
37%
63%
YEAR-WISE GROWTH
YearMonthly SIPInvested (cum.)Value
GOAL DETAILS
₹1 crore = 10000000. Inflation-adjusted target ke liye neeche inflation daalo.
Example: aaj ₹1Cr chahiye 15 saal baad, inflation 6% → actual target ₹2.4Cr ban jayega.
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MONTHLY SIP NEEDED
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TOTAL YOU'LL INVEST
Target (as entered)—
Actual target (inflation-adjusted)—
Wealth multiplier—
SIP INVESTING — COMPLETE GUIDE (2026)

SIP Calculator Kya Hai?

SIP Calculator ek free tool hai jo aapke monthly mutual fund investment ka future value calculate karta hai. Monthly amount, expected return aur duration daalo — turant maturity value, total invested amount aur wealth gained (compounding ka hissa) dikh jayega. Ye tool step-up SIP (har saal badhti SIP), inflation adjustment (aaj ki value me real corpus) aur Goal Mode (target ke liye kitni SIP chahiye — reverse calculation) bhi deta hai.

Sab calculation 100% browser me hoti hai — aapki financial details kahin save nahi hoti.

Compounding Ka Jaadu — Numbers Se Samjho

₹10,000/month SIP at 12% annual — duration ke saath kya hota hai:

DurationTotal InvestedMaturity ValueWealth Gained
5 saal₹6 lakh≈ ₹8.2 lakh₹2.2 lakh (37%)
10 saal₹12 lakh≈ ₹23.2 lakh₹11.2 lakh (94%)
15 saal₹18 lakh≈ ₹50.4 lakh₹32.4 lakh (180%)
20 saal₹24 lakh≈ ₹1.0 crore₹76 lakh (316%)
25 saal₹30 lakh≈ ₹1.9 crore₹1.6 crore (533%)

Pattern dekho: pehle 5 saal me compounding "dheema" lagta hai, par 15-20 saal ke baad wealth gained aapki investment se zyada ho jata hai. Isi liye SIP me sabse bada asset time hai — jaldi shuru karo, der mat karo.

Step-Up SIP Kyun Game-Changer Hai

₹10,000/month, 12%, 20 saal — flat vs step-up:

  • Flat SIP: ₹24 lakh invested → ≈ ₹1.0 crore
  • 10% annual step-up: ≈ ₹68 lakh invested → ≈ ₹1.9 crore (nearly double!)
  • 15% annual step-up: ≈ ₹1.1 crore invested → ≈ ₹2.9 crore

Logic simple hai: aapki salary har saal badhti hai, to SIP bhi badhni chahiye — warna 10 saal baad wahi ₹10,000 aapke budget ka chhota hissa ban jata hai aur compounding ka fuel kam ho jata hai. Young earners ke liye 10% step-up default rule maan lo.

Inflation Ka Sach — ₹1 Crore Kitna Bada Hai?

20 saal baad ka ₹1 crore sunne me bada lagta hai, par 6% inflation par aaj ki value sirf ≈ ₹31 lakh hai. Isi liye planner me inflation adjustment zaroori hai — apna goal hamesha "aaj ki value me" define karo aur tool me inflation daal kar dekho ki actual target kitna banna chahiye. Retirement planning me ye galti sabse mehngi hoti hai: log ₹1Cr target karke retire hote hain aur 15 saal baad pata chalta hai ki wo kaafi nahi tha.

Kitna Return Assume Karein — Reality Check

Fund CategoryRealistic Long-term ReturnRisk
Index/Large-cap equity10-12%High (short-term), low (10y+)
Mid/small-cap equity12-15% (volatile)Bahut high
Hybrid/Balanced8-10%Medium
Debt funds6-7.5%Low-medium
FD (comparison)6-7% (taxable)Minimal

Conservative planning ke liye 10% lo, realistic ke liye 12% — 15%+ assume karna sirf spreadsheet-khush ho jata hai. Aur ye returns guaranteed nahi hain — market-linked hain, 3-5 saal ke windows negative bhi ho sakte hain.

SIP Ke 10 Golden Rules

  1. Jaldi shuru karo — 25 saal ki SIP, 35 saal ki SIP se double powerful hai.
  2. Step-up lagao — har saal 10% badhao salary ke saath.
  3. Market crash me SIP band mat karo — wahi din sasta unit kharidne ke hote hain.
  4. Equity ke liye 7+ saal ka horizon rakho.
  5. Inflation-adjusted goal banao — aaj ki value me socho.
  6. Index funds se shuru karo — simple, sasta, predictable tracking.
  7. Emergency fund pehle (6 mahine ka kharcha), phir SIP.
  8. Har saal review karo — return agar benchmark se lagatar kam ho tabhi fund badlo.
  9. Kabhi bhi loan lekar SIP mat karo — leverage + market risk = disaster.
  10. ELSS SIP se 80C tax benefit bhi — agar old regime me ho.

Frequently Asked Questions (FAQ)

SIP (Systematic Investment Plan) means investing a fixed amount every month into a mutual fund. Your money buys more units when markets are low and fewer when high (rupee-cost averaging), and returns compound over time. Example: ₹10,000/month for 15 years at 12% annual return grows to roughly ₹50 lakh — your investment is ₹18 lakh and compounding adds about ₹32 lakh. The magic is time, not timing.

The tool uses the standard future-value formula for monthly SIPs: FV = P × ((1+i)^n − 1) ÷ i × (1+i), where P is your monthly investment, i is the monthly return (annual ÷ 12) and n is months. This matches how AMFI and most mutual fund calculators compute SIP maturity for an assumed constant annual return. Real market returns vary year to year, so treat the result as a projection, not a promise.

Historically, diversified Indian equity funds have delivered around 11-13% annualized over long periods (10+ years), large-cap funds closer to 10-12%, and index funds track their benchmark (Nifty ~12% historically with dividends). For conservative planning use 10%, optimistic use 12-13%. Debt funds typically give 6-8%. Never assume yesterday's bull-market return will repeat — build in a margin of safety.

A step-up (or top-up) SIP increases your monthly amount every year — usually by 10%, matching your salary growth. The impact is dramatic: a flat ₹10,000 SIP for 20 years at 12% gives about ₹1 crore, but the same SIP with a 10% annual step-up gives roughly ₹1.9 crore — nearly double, because your later (larger) instalments still get years of compounding. Young earners should almost always choose step-up.

It's a popular illustration: ₹15,000/month for 15 years at 15% annual return grows to about ₹1 crore (15-15-15 → 1 crore). It demonstrates compounding's power with realistic historical equity returns. In practice, sustaining 15% for 15 years is on the optimistic side — but the rule's real lesson is that disciplined long-term SIPs of modest amounts build serious wealth.

No. Everything is calculated in your browser with JavaScript. Your salary, investment amounts and goals never leave your device — you can go offline after loading the page and the calculator still works. Nothing is saved, logged or shared.

Yes — open the Goal Mode tab, enter your target amount (like ₹1 crore), expected return and years. The tool reverse-calculates the exact monthly SIP needed. Tip: also enter your goal in inflation-adjusted terms — ₹1 crore today is worth only about ₹55 lakh after 12 years at 6% inflation, so aim for an inflation-adjusted target.

No — mutual funds are market-linked, and unlike FDs there is no guaranteed return. The 12% figure is a historical average for equity over long horizons; any 3-5 year window can be negative. SIPs reduce timing risk through averaging but do not eliminate market risk. That is why the golden rules are: long horizon (7+ years for equity), diversified funds, and staying invested through crashes instead of stopping your SIP.
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