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SIP Calculator India 2026

Project your mutual fund wealth with a Regular or annual Step-Up SIP, see your inflation-adjusted purchasing power, and follow the year-by-year compounding growth โ€” built for students, salaried professionals, and retail investors.

๐Ÿ’ฐ Monthly SIP Amount
โ‚น
๐Ÿ“… Investment Tenure
๐Ÿ“ˆ Expected Annual Return
๐Ÿš€ SIP Mode

Shows what your future corpus would be worth in today's purchasing power, assuming prices rise by this % every year.

TOTAL FUTURE CORPUS
โ‚น0
Invested โ‚น0 + Wealth Gained โ‚น0
Total Invested
โ‚น0
Wealth Gained
โ‚น0
Inflation-Adjusted Corpus
โ‚น0
Corpus Erosion
0%
Total Amount Investedโ‚น0
Estimated Wealth Gainedโ‚น0
Total Future Corpusโ‚น0
Inflation-Adjusted Corpus (Today's Value)โ‚น0

Invested Capital vs Wealth Gained

๐Ÿ“ Live Formula With Your Numbers
๐Ÿ“Š Year-by-Year Compounding Growth
YearMonthly SIPInvested So FarTotal CorpusWealth Gained
๐Ÿ“ค Investment Plan Summary

      

        
        
        
      

    

  












  
  












How to Use This SIP Calculator


    
  
  1. Enter your monthly SIP amount โ€” use the input, slider, or quick-add chips.
    2. 
  
  2. Set your investment tenure โ€” from 1 to 40 years.
    3. 
  
  3. Choose an expected return rate โ€” pick a preset (8% debt, 12% Nifty 50, 15% mid/flexi cap) or drag the custom slider.
    4. 
  
  4. Pick Regular or Step-Up SIP โ€” Step-Up increases your monthly contribution every year by a % you choose, matching a typical annual raise.
    5. 
  
  5. Toggle inflation adjustment โ€” see what your future corpus is really worth in today's purchasing power.
    6. 
  
  6. Check the live formula panel โ€” every calculation shows the exact compounding arithmetic with your real numbers.
    7. 
  
  7. Browse the year-by-year growth table โ€” watch your invested amount and corpus grow, year on year.
    8. 
  
  8. Export โ€” copy a plain-text summary, download a CSV, or generate a PDF investment plan.
    9. 




Want the full walkthrough โ€” the compounding formula explained step by step, Step-Up SIP math, inflation and purchasing power, SIP vs Lumpsum, and common investing FAQs? Read the complete SIP Explained guide on our blog.



This calculator provides estimates for general informational and educational purposes only and is not investment advice. Mutual fund investments are subject to market risk; actual returns depend on the fund and market performance and can be higher or lower than the rate assumed here. Past performance is not indicative of future results. Please consult a SEBI-registered financial advisor before making investment decisions. Last updated: July 2026.