n NISM Certifications

SIP calculator · with step-up + goal-seek

How much will your SIP actually become?

Project your corpus. Reverse-engineer the SIP you need. Step up annually. See today's-rupees value after inflation. All live, no calculate buttons.

Share this scenario

Send this exact set of numbers to anyone — they'll see what you see, pre-filled.

Bookmark the link or paste it into WhatsApp / email. Opens with these numbers ready.

In today's rupees: · after % annual inflation

To buy what buys today, you'd need in years.

Total invested

Compounding gain

Monthly SIP

avg with step-up

/mo · starts at /mo

Target corpus

₹500₹2L
₹1L₹10Cr
1 yr40 yr
1%20%
0%25%

Your SIP grows by this % every year. Most Indian investors who do step-up settle at 10% (roughly tracking salary growth).

3%10%

India's 10-year average CPI is about 5.5–6%. Anchors the corpus in today's spending power.

Growth over time

Corpus Invested Real

Year

Corpus

Invested

Want a personalised SIP plan?

Free 15-min call with a zfunds advisor. We'll suggest 3 funds for your goal, based on the numbers you just played with.

No spam. We'll call within 24 hours.

Got it, 👋

Our team will call within 24 hours.

Who this is for

Three real questions, answered with the calculator.

Click any persona — the calculator jumps to their numbers so you can see exactly what we mean.

Under the hood

How SIP math actually works.

A SIP is just an annuity — a regular series of payments compounded at the fund's NAV growth rate. The standard formula assumes payments at the start of each month (annuity-due).

Why 12%? India's broad large-cap indices have delivered ~11–13% CAGR over 20+ year windows. Past performance ≠ future returns — slide it to 10% if you want a conservative view, or 14% if you're feeling bullish.

Step-up SIP. Most calculators ignore this. A 10% annual step-up roughly tracks Indian salary growth and easily 2x's your final corpus over a 25-year run — without ever "feeling" expensive month-to-month.

The formula

FV = P × (((1 + r)n − 1) / r) × (1 + r)

P = monthly SIP amount
r = monthly return = annual rate / 12
n = number of months (years × 12)

With annual step-up

corpus = 0; P = monthly
for y in 0..years-1:
  for m in 0..11:
    corpus = corpus × (1+r) + P
  P = P × (1+step)
return corpus

Worked example — ₹10k / 20yr / 12%, no step-up

  • P = ₹10,000
  • r = 12% / 12 = 0.01
  • n = 20 × 12 = 240 months
  • FV = ₹10,000 × ((1.01240 − 1) / 0.01) × 1.01 ≈ ₹99.91 lakhs
  • You put in ₹24L. Compounding added ~₹76L.

Common questions

FAQ.

What return rate should I assume?

For Indian large-cap equity funds, 11–13% is the historical long-run range. For mid/small-cap, 13–16% (with bigger drawdowns). For debt funds, 6–8%. For balanced/hybrid, 9–11%. The default 12% in the calculator is the conservative side of long-run large-cap.

Should I use the step-up SIP toggle?

If your salary grows roughly with inflation + 1-2% (most Indian salaried jobs), turn it on with a 7-10% step-up. The math is dramatic — a ₹5k SIP stepping up 10% annually beats a flat ₹10k SIP over a 25-year run, despite starting at half the amount.

What does the inflation toggle do?

It shows your final corpus in today's purchasing power. ₹1 Cr in 25 years sounds great — but at 6% inflation, ₹1 Cr 25 years from now buys what ~₹23 L buys today. Real corpus = nominal corpus / (1 + inflation)^years.

How does goal-seek work?

You enter the target corpus + years + expected return. The calculator solves for the starting monthly SIP that hits that target (works with or without step-up). Same math as the projection mode, just inverted — it exploits that final corpus is linear in starting monthly.

Are taxes included in the final corpus?

No. This is the pre-tax future value. For equity funds, gains above ₹1.25L/year are taxed at 12.5% (after a 12-month holding period). Subtract roughly 10–11% from the final corpus for a post-tax estimate.

Can I pause an SIP without penalty?

Yes — most AMCs let you pause for up to 6 months and resume. There's no penalty. Just don't cancel and restart; you'll lose the compounding momentum.

Still not sure how much to invest?

Free callback from a zfunds advisor. We'll match your income, goal and risk profile to a 3-fund portfolio.

No spam. We'll call within 24 hours.

Got it, 👋

Our team will call within 24 hours.

Read next