This SIP planning tool supports forward projection and reverse target planning with step-up contributions, inflation adjustment, and scenario sensitivity analysis. Results are estimates, not guaranteed investment outcomes.
Planning Mode
Real Return = ((1 + nominal return) / (1 + inflation)) - 1
Corpus Growth Over Time
Total Invested vs Total Returns
Contribution vs Compounding Share
| Year | Total Invested | Interest Earned | End Balance |
|---|---|---|---|
| 1 | ₹60,000 | ₹4,047 | ₹64,047 |
| 2 | ₹1,20,000 | ₹16,216 | ₹1,36,216 |
| 3 | ₹1,80,000 | ₹37,538 | ₹2,17,538 |
| 4 | ₹2,40,000 | ₹69,174 | ₹3,09,174 |
| 5 | ₹3,00,000 | ₹1,12,432 | ₹4,12,432 |
| 6 | ₹3,60,000 | ₹1,68,785 | ₹5,28,785 |
| 7 | ₹4,20,000 | ₹2,39,895 | ₹6,59,895 |
| 8 | ₹4,80,000 | ₹3,27,633 | ₹8,07,633 |
| 9 | ₹5,40,000 | ₹4,34,108 | ₹9,74,108 |
| 10 | ₹6,00,000 | ₹5,61,695 | ₹11,61,695 |
| Asset Type | Typical Long-Term Range | Volatility Note |
|---|---|---|
| Savings | 2% to 4% | Low volatility, limited real-return potential. |
| Debt Funds | 5% to 7% | Moderate volatility; sensitive to interest-rate cycles. |
| Equity Funds | 10% to 12% | High volatility; long horizon needed to absorb drawdowns. |
Historical long-term equity returns vary by market cycle and are not guaranteed.
Reviewed by: Neha Kapoor, CFA, CFP, MBA (Finance)
Neha is a portfolio strategy professional with 11+ years in goal-based investing and retirement planning. She specializes in risk-adjusted return modeling, inflation-aware financial projections, and investor behavior under volatile market conditions.
This SIP calculator provides estimate-based projections for educational planning and does not guarantee future returns.
Methodology:
• Monthly compounding assumption
• No tax adjustments included
• No expense ratio deductions applied
For complementary analysis, use our Compound Interest Calculator for long-term compounding scenarios, Retirement Calculator for corpus adequacy planning, and Inflation Calculator for purchasing-power stress testing.
Planning Insights
Estimate long-term corpus from monthly investments and expected annual return.
SIP Calculator converts your assumptions into step-by-step projections using standard financial math, helping you compare realistic scenarios before making decisions.
SIP Future Value Formula
FV = SIP × [((1 + i)^n - 1) / i] × (1 + i)
A SIP compounds each installment for a different duration: earlier contributions stay invested longer and create a larger share of long-term corpus. This is why consistency and tenure matter as much as return assumptions. The calculator models monthly contribution flow, expected annual return, and tenure to estimate future corpus, contribution share, and return share with transparent math.
Use scenario ranges instead of a single projection: conservative (lower return, higher inflation), base case, and optimistic case. Reverse planning can estimate required SIP for a target corpus, while step-up mode helps model income growth with annual SIP increases. Pair this output with the Compound Interest Calculator for long-horizon compounding validation, the Retirement Calculator for goal adequacy checks, and the Inflation Calculator for real purchasing-power analysis.
SIP projections are estimates, not guaranteed returns. Market volatility, sequence risk, fund selection quality, costs, taxes, and behavioral interruptions can materially change outcomes. Inflation can also reduce real corpus value even when nominal growth appears strong. Use this tool for disciplined planning, periodic reviews, and risk-aware decision making rather than as a certainty forecast.
This SIP calculator is designed as a financial planning workflow: model expected corpus, stress test assumptions, and refine contributions based on risk tolerance and real-return targets. Better outcomes come from consistent investing, realistic assumptions, and regular course correction.
Both have use cases. SIP is often preferred for regular income earners and helps average purchase cost across market cycles.
Yes. Step-up SIP strategies can improve corpus significantly as income grows.
Stopping may hurt long-term outcomes. Continuing disciplined contributions often improves unit accumulation during lower prices.
Use realistic long-term ranges based on asset mix and keep conservative assumptions for critical goals.
Longer horizons generally improve outcomes because compounding has more time to work.
No. SIPs are a disciplined investing method, but actual returns depend on market performance and fund selection.
