What your SIP
is really worth.
Set the amount, the return you expect and how long you will stay invested. You get the corpus, the year by year growth, what it is worth after inflation, and the monthly figure you would need for any goal. Step-up and lumpsum are one tap away.
- Invested amount
- ₹18,00,000
- Estimated returns
- ₹32,45,760
- Total value
- ₹50,45,760
₹21.1 L
at 6% inflation
2.80x
180% total return
Put in ₹18 lakh over 15 years and, at 12% a year, it could grow to ₹50.46 lakh. More than half of that is growth, not your own money.
How it grows, year by year
Tap or hover any year to see the split.
Year by year
| Year | Monthly instalment | Invested that year | Total invested | Value at year end |
|---|---|---|---|---|
| 1 | ₹10,000 | ₹1,20,000 | ₹1,20,000 | ₹1,28,093 |
| 2 | ₹10,000 | ₹1,20,000 | ₹2,40,000 | ₹2,72,432 |
| 3 | ₹10,000 | ₹1,20,000 | ₹3,60,000 | ₹4,35,076 |
| 4 | ₹10,000 | ₹1,20,000 | ₹4,80,000 | ₹6,18,348 |
| 5 | ₹10,000 | ₹1,20,000 | ₹6,00,000 | ₹8,24,864 |
| 6 | ₹10,000 | ₹1,20,000 | ₹7,20,000 | ₹10,57,570 |
| 7 | ₹10,000 | ₹1,20,000 | ₹8,40,000 | ₹13,19,790 |
| 8 | ₹10,000 | ₹1,20,000 | ₹9,60,000 | ₹16,15,266 |
These are projections, not promises. Mutual fund and market-linked returns are not guaranteed and the actual outcome depends on the scheme, the market and how long you stay invested. The calculator ignores exit loads, expense ratios and taxes, so treat every figure here as a planning guide rather than a quotation. If you want a number that is contractually guaranteed instead of projected, ask us about guaranteed savings plans.
Built to answer the question you actually have
Three calculators, one screen
Regular SIP, step-up SIP and lumpsum sit behind the same tabs. Switch between them and your inputs stay put, so comparing takes a second instead of three browser tabs.
Works backwards from a goal
Most calculators only run forwards. Tell this one you want ₹1 crore in 15 years and it returns the monthly instalment you need to start with today.
Inflation is built in
Every result also shows the corpus in today's money. ₹1 crore in 2046 does not buy what ₹1 crore buys now, and pretending otherwise is how people undersave.
Year by year, not just a total
Hover any year on the chart to see the split between your money and the growth, open the full table, and download the whole projection as a spreadsheet.
Share the exact numbers
One tap copies a link that reopens the calculator with your inputs already filled in. Useful when you want a second opinion from family before committing.
A person on the other end
Every other calculator ends at the number. This one ends with a licensed advisor in Muvattupuzha who will tell you honestly whether the plan holds up.
What a SIP calculator actually tells you
A SIP, or systematic investment plan, is just an instruction to invest a fixed amount at a fixed interval, usually monthly. The calculator takes three things from you: how much you invest each month, the annual return you expect, and how many years you will keep going. It then compounds each instalment for the time it stays invested and adds them up.
The output splits into two parts that matter separately. The invested amount is money you controlled and can be sure of. The estimated return is a projection, and its size depends entirely on an assumption you made. In a long SIP the projected return is usually larger than everything you put in, which is exactly why the assumption deserves more attention than it normally gets.
The return rate you type in matters more than the amount
Run ₹10,000 a month for 20 years at 12% and you land near ₹1 crore. Change nothing except the rate, drop it to 9%, and you land near ₹67 lakh. The instalment was identical. A three point difference in an assumption removed a third of the result.
Nobody knows what equity markets will return over your specific 20 years. Long-run Indian equity has been in the low teens, debt funds sit far lower, and a balanced portfolio lands somewhere between. If you are planning something you cannot afford to miss, a school fee or a retirement date, model it at a rate you would be comfortable being wrong about, then check whether the plan still works.
SIP, step-up SIP or lumpsum: which to model
Use the plain SIP tab when your instalment will stay the same, or when you want a conservative baseline. Use the step-up tab when your income is likely to rise and you intend to raise the instalment with it, which for most salaried people is the realistic case. Use lumpsum when you have a single amount to deploy, such as a bonus, a maturity payout or money returning from abroad.
The honest comparison is usually between a flat SIP you will definitely keep up and a step-up SIP you might not. The step-up tab shows both side by side, including how much extra you had to invest to earn the extra corpus, so the trade is visible rather than implied.
What this calculator leaves out
It does not deduct the expense ratio of the fund you eventually pick, exit loads if you redeem early, or capital gains tax on the way out. It assumes every instalment is paid on time and that you never stop. It also assumes a smooth annual return, which no market has ever delivered. Real portfolios arrive at the same average through years that look nothing like the average.
None of that makes the projection useless. It makes it a planning tool rather than a quotation. Treat the total as an order of magnitude, and build in a margin rather than planning to the last rupee.
The maths behind the number
- 1Instalments are treated as paid at the start of each month, which is how an actual SIP mandate works and what AMFI illustrations assume.
- 2The monthly rate is the annual expected return divided by twelve. A 12% expectation becomes 1% a month.
- 3Each month the calculator adds your instalment to the running balance, then grows the whole balance by that monthly rate.
- 4Repeat for every month in the period. The standard closed form is FV = P × (((1 + i)^n − 1) ÷ i) × (1 + i), where P is the instalment, i the monthly rate and n the number of months.
- 5For a lumpsum there are no instalments, so it reduces to FV = P × (1 + r)^n using the annual rate.
- 6The inflation-adjusted figure divides the final corpus by (1 + inflation)^years, which converts it back into today's purchasing power.
We run the simulation month by month instead of applying the formula directly, because a step-up, a starting corpus and the year by year table all fall out of the same loop. On a plain SIP the result matches the closed form to the rupee, so you can check it against any other calculator.
Questions people ask us
Is 12% a realistic return to assume?
It is a common default because long-run Indian equity indices have delivered roughly that, but it is not a promise and it is not right for every portfolio. Debt funds return far less. A conservative hybrid fund sits in between. If your goal has a hard deadline, model it twice, once at the rate you hope for and once at a rate three or four points lower, and make sure you can live with the lower answer.
Does the calculator account for taxes and fund charges?
No. It shows the gross projection. In practice the fund's expense ratio is deducted from returns before you ever see them, and equity gains above the annual exemption are taxed when you redeem. Both reduce the final figure. We deliberately left them out because they depend on the exact scheme and on tax rules that change, and a fake precision would be worse than none.
What is the difference between a SIP and a step-up SIP?
A regular SIP keeps the same instalment for the whole period. A step-up SIP raises it on a schedule, usually once a year, either by a percentage or by a fixed rupee amount. Because the increases also compound, a modest annual step-up often produces a much larger corpus than starting with a bigger flat amount. Our step-up calculator shows both together.
Is a SIP the same thing as insurance?
No, and confusing the two is the most expensive mistake we see. A SIP into a mutual fund is an investment. Insurance is protection: term cover replaces your income if you die, health cover pays hospital bills. A SIP does neither. Most families need the protection in place first, then the investment on top, and the two should be bought as separate products rather than bundled into one that does both badly.
Can NRIs run a SIP in India?
Yes. NRIs, including Malayalis working across the Gulf, can invest in Indian mutual funds through an NRE or NRO account once the KYC is done. There are extra rules for investors based in the United States and Canada, and repatriation depends on which account funded it. We help families sort out the paperwork before the first instalment rather than after.
How accurate is this calculator?
The arithmetic is exact and matches the standard SIP formula to the rupee. The projection is only as accurate as the return rate you typed in, which is a guess about the future. Think of the output as showing what a given assumption implies, not what will happen.
Should I stop my SIP when the market falls?
Stopping during a fall is usually the worst version of the plan, because a falling market is exactly when your fixed instalment buys the most units. The projection in this calculator assumes you never stop. If your income situation genuinely changes, pausing or reducing is better than exiting, and worth a conversation before you act.
A number on a screen is not a plan
The calculator shows what is possible. What it cannot tell you is how much of that money should sit in something guaranteed, how much life cover your family needs first, or what happens to the plan if your income stops. That part we do with you, free, in Malayalam or English.
Keep reading
Step-up SIP calculator
See what raising your instalment every year does to the final corpus, next to the flat SIP.
Guaranteed savings plan
If you want a number that is contracted rather than projected, this is the other side of the coin.
Life insurance in Kerala
Protection first, investment second. What your family actually needs before the SIP.