Estimate SIP outcomes using your assumptions for return, tenure, and inflation. View both nominal estimates and today's-money (inflation-adjusted) values, plus optional step-up, LTCG tax, and SWP planning.
What SIP does well
What SIP does not guarantee
Why withdrawals are complex
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds. Instead of investing a lump sum, you invest small amounts monthly, quarterly, or annually. This approach benefits from rupee cost averaging and compound interest over time.
Inflation adjustment converts your future SIP corpus into today's purchasing power so you can read the projections as real returns. It does not change your contributions; it simply discounts the future value using the inflation rate you enter.
Select a step-up mode (percentage or fixed amount) to grow contributions each year, then keep the inflation toggle on to see the same plan in today's money. This shows how step-ups and price inflation interact.
SIP returns are calculated using the future value of an annuity formula: FV = P × [((1 + r)^n - 1) / r] × (1 + r), where P is monthly investment, r is monthly return rate, and n is number of months. This accounts for compound interest on regular investments.
No. Inflation adjustment only expresses the result in today's money. Your SIP amount grows only if you enable a step-up option or manually increase contributions.
Long-Term Capital Gains (LTCG) tax on equity mutual funds is 12.5% with a ₹1.25 lakh exemption in the financial year when gains are realized. This calculator estimates your post-tax corpus assuming gains are realized once (at the end). Actual tax depends on your redemption pattern and applicable rules.
Yes, increasing your SIP by 5-10% annually (step-up SIP) significantly boosts long-term wealth. If your income grows, increase SIP proportionally to stay consistent with your goals.
Yes, our calculator includes Systematic Withdrawal Plan (SWP) feature. After accumulating wealth via SIP, you can model monthly withdrawals in retirement and see how long your corpus will last. Enable the SWP section to plan complete accumulation-to-withdrawal journey.
This calculator provides estimates for planning purposes only. Consult a qualified financial advisor before making investment decisions.
Click a preset to auto-fill inputs with typical values for that goal. You can customize them further.
One-time amount invested today (assumed at the start, before SIP contributions).
Starting SIP amount each month.
How long you plan to continue the SIP.
Used for projection only. Actual returns can vary and are not guaranteed.
This SIP calculator helps you estimate returns with inflation-adjusted projections, step-up SIP increases, and tax exemption impact. Calculate nominal SIP returns, real-value SIP returns, and post-tax corpus after LTCG tax using one tool.
Model annual SIP increases to see how step-up contributions change your long-term corpus.
Pair step-up contributions with an inflation-aware view to understand both nominal growth and purchasing power. Toggle real returns to see how yearly increases and rising prices interact across the full tenure.
Need a dedicated planner? Use the Step-Up SIP Calculator (with inflation) for deeper analysis, then return here to combine it with tax and SWP modeling.
Estimated future value (nominal)
₹23,23,391(93.6% return)
After 120 months of investment.
Estimates are based on your inputs and assumed steady returns. Actual outcomes can be higher or lower.
Total invested
₹12,00,000
Estimated gains (nominal)
₹11,23,391
% gain: 93.6%
Estimated value in today's money
₹12,77,012
Inflation used: 6% per year
In today's terms, this amount could buy a mid-sized sedan car.
Values shown in nominal terms.
Visualizing your wealth mix: The chart shows how much of your final corpus comes from your direct contributions vs. the compound interest earned.
In the long term, the "Estimated Returns" slice (Green) typically grows larger than "Invested Amount" (Gray), demonstrating the power of compounding.
A small change in assumed return can change the estimate significantly. These are projections, not guarantees.
Lower
10% per year
₹20,65,520
Today's money: ₹11,35,278
Base
12% per year
₹23,23,391
Today's money: ₹12,77,012
Higher
14% per year
₹26,20,914
Today's money: ₹14,40,540
Snapshot values at common milestones based on the same assumptions.
Year 1
₹1,28,093
Invested: ₹1,20,000
Year 3
₹4,35,076
Invested: ₹3,60,000
Year 5
₹8,24,864
Invested: ₹6,00,000
Year 10
₹23,23,391
Invested: ₹12,00,000
Initial investment
₹0
Monthly SIP (start)
₹10,000
Tenure
10 years
Assumed return
12% per year
Inflation for 'today's money'
6% per year
Step-up
No step-up
These estimates assume you invest consistently and returns follow the chosen rate. Real markets are volatile.
Review LTCG tax impact alongside the annual exemption to understand your estimated post-tax SIP corpus.
Pre-tax Corpus
₹23,23,391
Estimated LTCG Tax
- ₹1,24,799
Post-Tax (In-Hand) Corpus
₹21,98,592
Effective tax rate: 5.37% (₹1,25,000 exemption applied)
Note: This is an estimate based on 12.5% LTCG rate and a ₹1.25L exemption (applied once). Actual tax depends on law changes and your specific situation. Consult a tax advisor.
Inflation reduces purchasing power over time, so real returns help you plan goals with realistic future value.
Bars split total value into invested amount vs gains. Hover a bar for exact values.
| Period | Invested | Value | Gains | % Gain |
|---|---|---|---|---|
| Year 1 | ₹1,20,000 | ₹1,28,093 | ₹8,093 | 6.7% |
| Year 2 | ₹2,40,000 | ₹2,72,432 | ₹32,432 | 13.5% |
| Year 3 | ₹3,60,000 | ₹4,35,076 | ₹75,076 | 20.9% |
| Year 4 | ₹4,80,000 | ₹6,18,348 | ₹1,38,348 | 28.8% |
| Year 5 | ₹6,00,000 | ₹8,24,864 | ₹2,24,864 | 37.5% |
| Year 6 | ₹7,20,000 | ₹10,57,570 | ₹3,37,570 | 46.9% |
| Year 7 | ₹8,40,000 | ₹13,19,790 | ₹4,79,790 | 57.1% |
| Year 8 | ₹9,60,000 | ₹16,15,266 | ₹6,55,266 | 68.3% |
| Year 9 | ₹10,80,000 | ₹19,48,215 | ₹8,68,215 | 80.4% |
| Year 10 | ₹12,00,000 | ₹23,23,391 | ₹11,23,391 | 93.6% |
Nominal values are shown using the assumed annual return.