SIP calculator

How a monthly SIP, with an optional yearly step-up, builds wealth.

Monthly SIP10 thousand

₹

Expected return

Years

yrs

Annual step-up

Raise the SIP every year by this much. 0 for a flat SIP.

Inflation

Value at the end

₹50,45,760

15 years of SIP

Worth in today's money

₹21,05,419

after 6% inflation

You invest

₹18,00,000

₹10,000 a month

Growth

₹32,45,760

64% of the final amount

What you put in and what it becomes

Projected valueAmount invested

You invest ₹18,00,000Growth ₹32,45,760

What inflation does to this

Growth is 64% of the final amount. But in today's money it is worth ₹21,05,419, so the real gain over what you put in is ₹3,05,419.

Year	Invested	Value	Growth
Y1	₹1,20,000	₹1,28,093	₹8,093
Y2	₹2,40,000	₹2,72,432	₹32,432
Y3	₹3,60,000	₹4,35,076	₹75,076
Y4	₹4,80,000	₹6,18,348	₹1,38,348
Y5	₹6,00,000	₹8,24,864	₹2,24,864
Y6	₹7,20,000	₹10,57,570	₹3,37,570
Y7	₹8,40,000	₹13,19,790	₹4,79,790
Y8	₹9,60,000	₹16,15,266	₹6,55,266
Y9	₹10,80,000	₹19,48,215	₹8,68,215
Y10	₹12,00,000	₹23,23,391	₹11,23,391
Y11	₹13,20,000	₹27,46,148	₹14,26,148
Y12	₹14,40,000	₹32,22,522	₹17,82,522
Y13	₹15,60,000	₹37,59,311	₹21,99,311
Y14	₹16,80,000	₹43,64,180	₹26,84,180
Y15	₹18,00,000	₹50,45,760	₹32,45,760