Professional SIP Calculator

Estimate your wealth from monthly investments.

Build Wealth Through SIP Investing

Calculate how your monthly investments can grow through the power of long-term compounding.

Currency Selector

Select your preferred currency.

Selected Currency

Indian Rupee

India

INR ₹

SIP Calculator

Estimate the future value of your monthly SIP investments.

Monthly SIP Amount Enter your monthly investment amount.

Expected Annual Return (%) Expected annual return before taxes.

Investment Duration (Years) Number of years you plan to invest.

Investment Summary

Estimated results based on your SIP investment.

Total Invested

₹0

Total money invested.

Estimated Returns

₹0

Estimated investment profit.

Maturity Value

₹0

Final investment value.

Investment Information

The maturity value shown here is an estimate based on the monthly SIP amount, expected annual return and investment duration. Actual returns may differ depending on market performance.

Investment Growth Chart

Visual representation of your SIP growth.

Year-wise Investment Summary

Detailed yearly portfolio growth.

Year	Invested	Portfolio	Profit	ROI	Growth

Monthly Analysis

Detailed month-by-month investment, return and portfolio growth.

Month	Contribution	Interest / Return	Cumulative Investment	Monthly Profit	Cumulative Profit	Portfolio Value

Currency Selector

Select the currency for your advanced calculations.

Selected Currency

Indian Rupee

India

INR ₹

ADVANCED MODE

Core Analytics

Build a detailed SIP investment plan using advanced contribution, duration and frequency controls.

ADVANCED MODE

Advanced Mode Inputs

Configure your SIP investment and calculate its projected growth.

Monthly SIP Amount

₹

Amount invested for each contribution period.

Expected Annual Return

%

Expected annual investment return.

Investment Duration — Years Number of complete investment years.

Additional Investment Months Additional months after the selected number of years. Enter 0 to 11.

Start Date Date on which the SIP investment begins.

End Date Final date of the investment period.

Investment Frequency

Automatic Recalculation Recalculate results automatically whenever an input changes.

CORE RESULTS

Investment Summary

Your core SIP investment metrics.

Total Amount Invested ₹0.00

Estimated Returns ₹0.00

Final Maturity Value ₹0.00

Total Profit ₹0.00

Profit Percentage 0.00%

Wealth Multiplier 0.00×

Total Installments 0

Monthly Return 0.00%

Effective Annual Return 0.00%

PART 2

Return Analytics

Understand how efficiently your SIP investment generates wealth.

Return Performance

Waiting for calculation

Calculate your SIP to view detailed return analytics.

Annualized

CAGR 0.00% Compound annual growth rate.

Overall

ROI 0.00% Total return relative to invested capital.

Growth

Return Contribution ₹0.00 Wealth created through investment returns.

Principal

Principal Contribution ₹0.00 Your total contribution toward the investment.

Share

Principal Contribution % 0.00% Portion of final wealth funded by you.

Compounding

Growth Contribution % 0.00% Portion of final wealth created by returns.

Efficiency

Return per ₹1 Invested ₹0.00 Profit generated for every ₹1 contributed.

Ratio

Profit-to-Investment Ratio 0.00× Profit generated relative to contributions.

Efficiency

Growth Efficiency 0.00% Percentage of final wealth created by growth.

Annualized

Annualized Growth Rate 0.00% Annualized growth over the investment period.

Milestone

Return Break-Even Not reached Point when accumulated profit becomes equal to your accumulated contributions.

Score

Return Strength 0 / 100 Relative strength of the projected return.

PART 3

Compounding Analysis

Understand how your contributions and compounding work together to build wealth.

Compounding Stage

Waiting for calculation

Calculate your SIP to view how compounding contributes to wealth creation.

Timeline

Compounding Timeline 0 years Total period available for compounding to work.

Compounding

Interest-on-Interest ₹0.00 Growth generated from previously accumulated growth.

Comparison

Contribution vs Compounding 0 : 0 Relative wealth created by contributions versus investment growth.

Share

Compounding Contribution % 0.00% Percentage of final wealth created by investment growth.

Acceleration

Compounding Acceleration 0.00% Increase in growth generation as the investment matures.

Growth

Profit Acceleration 0.00% Change in the rate at which investment profit grows.

Milestone

Time to Double 0 years Estimated time required for an amount to approximately double.

Rule of 72

Rule of 72 Estimate 0 years Quick estimate of doubling time using the Rule of 72.

Advantage

Compounding Advantage ₹0.00 Additional wealth generated beyond your total contributions.

Potential

Future Growth Potential 0.00% Share of the projected final value represented by compounded growth.

Status

Doubling Status Not reached Whether the projected wealth has reached approximately twice the invested contribution.

PART 4

Step-Up SIP

Increase your SIP contribution every year and compare its projected growth with a normal SIP.

Step-Up Method Choose how your SIP contribution increases every year.

Annual Increase

%

SIP increases by this percentage every year.

Maximum SIP Limit

₹

Optional maximum monthly SIP amount. Leave empty for no limit.

Initial Monthly SIP —

Final Monthly SIP —

Total Step-Up Invested —

Step-Up Maturity Value —

Step-Up Profit —

Additional Investment —

Additional Maturity Value —

Additional Profit —

NORMAL SIP VS STEP-UP SIP

Investment Comparison

Normal SIP Maturity —

Step-Up SIP Maturity —

Extra Wealth Created —

Extra Wealth % —

YEAR-WISE STEP-UP ANALYSIS

SIP Contribution Growth

Year	Monthly SIP	Annual Contribution	Cumulative Investment	Portfolio Value	Profit

GROWTH COMPARISON

Normal SIP vs Step-Up SIP

Compare the projected portfolio value throughout the investment period.

PART 5

Reverse SIP Calculator

Calculate the monthly SIP required to reach a specific financial target.

WORK BACKWARDS FROM YOUR GOAL

Instead of asking how much your SIP could become, this calculator determines how much you need to invest every month to reach your target amount.

Target Amount

₹

The amount you want to accumulate at the end of the investment period.

Expected Annual Return

%

Expected annual return used for the reverse calculation.

Investment Duration

Years

Number of years available to reach the target.

REQUIRED MONTHLY SIP — Monthly amount required to reach your target.

Target Amount —

Total Amount Invested —

Estimated Returns —

Total Installments —

Annual Investment —

Profit Percentage —

Wealth Multiplier —

SIP Without Returns —

COMPOUNDING BENEFIT

—

Difference between the monthly SIP required without returns and the SIP required with the expected return.

TARGET BREAKDOWN

Where Your Target Comes From

Your Contributions —

Investment Returns —

YEAR-WISE PROJECTION

Progress Toward Your Target

Year	Monthly SIP	Annual Investment	Cumulative Investment	Portfolio Value	Returns	Target Progress

TARGET PROJECTION

Investment vs Target

Track how your portfolio is projected to grow toward your target.

Waiting for calculation

Enter your target, expected return and investment duration to calculate the required monthly SIP.

PART 6

Inflation Analytics

Understand how inflation affects the future value and purchasing power of your SIP wealth.

INFLATION IMPACT

Waiting for calculation

Enter your expected inflation rate to understand what your future SIP corpus may be worth in today's money.

Expected Inflation Rate

%

Expected average annual inflation during your investment period.

TODAY'S PURCHASING POWER — —

Future Corpus — Projected SIP maturity value.

Today's Value — Future corpus expressed in today's purchasing power.

Purchasing Power Retained — Percentage of future wealth that retains today's purchasing power.

Purchasing Power Loss — Value lost because of inflation.

Inflation Loss % — Percentage reduction in purchasing power.

Inflation Multiplier — How much prices may increase over the investment period.

Future Cost of ₹1 Today — Estimated future cost of something costing ₹1 today.

Inflation-Protected Corpus — Future amount required to preserve today's purchasing power.

REAL RETURN AFTER INFLATION —

—

RETURN VS INFLATION

Nominal Return vs Real Return

See how much of your expected investment return remains after accounting for inflation.

Nominal Return —

Inflation Rate —

Real Return —

Return Lost to Inflation —

PURCHASING POWER

Future Wealth vs Today's Value

Purchasing Power Retained —

Purchasing Power Lost —

YEAR-WISE INFLATION IMPACT

Purchasing Power Timeline

See how inflation progressively reduces the purchasing power of future wealth.

Year	Inflation Multiplier	Future Cost of ₹1	₹1 Future Value in Today's Money	Purchasing Power Retained	Purchasing Power Lost

INFLATION CHART

Inflation Erosion Over Time

Visualize how the purchasing power of your future corpus changes over time.

Waiting for calculation

Calculate your Advanced SIP first, then enter an expected inflation rate.

PART 7

Scenario Analysis

Create and compare multiple SIP investment scenarios side by side.

Compare Different Investment Outcomes

Create multiple scenarios with different SIP amounts, expected returns and investment durations to understand how your projected wealth can change.

Scenario Comparison

Compare the projected results of all your scenarios.

Scenario	Monthly SIP	Annual Return	Duration	Total Invested	Returns	Final Value	Multiplier	Profit %

Scenario Comparison Chart

Compare the final projected wealth of each scenario.

Best Final Value ₹0.00

Lowest Final Value ₹0.00

Wealth Difference ₹0.00

Return Difference ₹0.00

PART 8

Tax Analysis

Estimate the potential impact of taxes on your investment gains.

User-Defined Tax Assumptions

Enter the applicable tax rate and taxable capital gains. Tax rules vary by jurisdiction and may change over time.

Tax Rate

%

Tax rate applied to taxable capital gains.

Capital Gains

₹

Taxable gains used for this analysis.

Pre-Tax Corpus ₹0.00 Projected corpus before tax.

Capital Gains ₹0.00 Taxable gain used for analysis.

Tax on Gains ₹0.00 Estimated tax liability.

Post-Tax Corpus ₹0.00 Corpus after estimated tax.

Tax Impact ₹0.00 Reduction caused by tax.

Post-Tax Profit ₹0.00 Profit remaining after tax.

Tax-Adjusted Return 0.00% Approximate annual return after tax impact.

Post-Tax Wealth Multiplier 0.00× Post-tax corpus relative to invested capital.

PART 9

Brokerage & Cost Analysis

Estimate how brokerage, fees, charges and other investment costs can reduce your projected wealth.

Gross Wealth vs Net Wealth

Enter the costs applicable to your investment. The calculator estimates the resulting reduction in projected wealth.

Brokerage

₹

Total brokerage cost.

Transaction Fees

₹

Total transaction-related fees.

Platform Charges

₹

Platform or account charges.

Taxes / Levies

₹

Total taxes and regulatory levies.

Expense Ratio

% / year

Annual percentage cost applied to projected portfolio value.

Other Investment Costs

₹

Any additional investment-related costs.

Gross Wealth ₹0.00

Total Costs ₹0.00

Net Wealth ₹0.00

Brokerage ₹0.00

Transaction Fees ₹0.00

Platform Charges ₹0.00

Taxes / Levies ₹0.00

Expense Ratio Cost ₹0.00

Other Costs ₹0.00

Total Cost Impact ₹0.00

Wealth Reduction 0.00%

PART 10

SIP vs Lump Sum

Compare systematic monthly investing with a one-time lump sum investment.

SIP

Invest a fixed amount every month.

Monthly Investment

₹

Amount invested every month.

Expected Annual Return

%

Expected annual rate of return.

Duration

Years

Investment duration for the SIP.

Lump Sum

Invest the entire amount at once.

Initial Investment

₹

Amount invested at the beginning.

Expected Annual Return

%

Expected annual rate of return.

Duration

Years

Investment duration for the lump sum.

SIP

Total Invested ₹0.00

Final Value ₹0.00

Profit ₹0.00

ROI 0.00%

Lump Sum

Total Invested ₹0.00

Final Value ₹0.00

Profit ₹0.00

ROI 0.00%

Comparison

Difference between the two investment strategies.

Final Value Difference ₹0.00 No difference

Profit Difference ₹0.00 No difference

ROI Difference 0.00% No difference

Higher Final Value — Based on projected final value.

Growth Trajectory

SIP vs Lump Sum Growth

Projected portfolio value over time.

Timeline

Year-wise Comparison

Year	SIP Invested	SIP Value	Lump Sum Value	Difference

PART 11

Financial Independence Analysis

Estimate how long it may take to build your target financial independence corpus.

Current Corpus

₹

Existing investments available toward your financial independence goal.

Monthly Investment

₹

Amount invested every month until financial independence.

Target Corpus

₹

Corpus you want to accumulate before financial independence.

Expected Annual Return

%

Expected annual return during the accumulation period.

Annual Investment Increase

%

Optional yearly increase in your monthly investment. Enter 0 for no increase.

Withdrawal Rate

%

Annual percentage of the corpus assumed to be withdrawn after reaching FI.

Financial Independence Status

Waiting for calculation

Enter your financial independence assumptions to calculate your target.

Time to Financial Independence —

FI Target Corpus ₹0.00

Projected FI Corpus ₹0.00

Current Corpus ₹0.00

Required Monthly Investment ₹0.00

Monthly FI Withdrawal ₹0.00

Annual FI Withdrawal ₹0.00

FI Progress 0.00%

Accumulation Timeline

Path to Financial Independence

Year-by-Year Analysis

Financial Independence Timeline

Year	Monthly Investment	Total Invested	Portfolio Value	Progress

PART 12

Retirement Withdrawal Analysis

Estimate how your retirement corpus may behave while supporting withdrawals.

Starting Retirement Corpus

₹

Corpus available when retirement begins.

Monthly Withdrawal

₹

Initial monthly amount withdrawn during retirement.

Expected Retirement Return

%

Expected annual return during retirement.

Annual Withdrawal Increase

%

Annual increase in the withdrawal amount.

Inflation Rate

%

Used as the reference for purchasing power and withdrawal escalation.

Retirement Duration

Years

Number of years you want the retirement corpus to support.

Retirement Sustainability

Waiting for calculation

Enter your retirement assumptions to calculate sustainability.

Initial Monthly Withdrawal ₹0.00

Initial Annual Withdrawal ₹0.00

Withdrawal Rate 0.00%

Total Withdrawals ₹0.00

Growth Earned ₹0.00

Ending Corpus ₹0.00

Depletion Time Not depleted

Sustainable Through Target —

Retirement Timeline

Corpus vs Withdrawals

Year-by-Year Analysis

Retirement Withdrawal Timeline

Year	Withdrawal	Total Withdrawn	Growth	Ending Corpus

PART 13

Risk Analysis

Compare how different return assumptions could affect your SIP investment outcome.

Return Scenario Comparison

The same SIP contribution and investment duration are projected under conservative, moderate and aggressive return assumptions.

Conservative Return

%

Lower-return scenario.

Moderate Return

%

Base-case return scenario.

Aggressive Return

%

Higher-return scenario.

Conservative

Expected Return 8.00%

Total Invested ₹0.00

Final Value ₹0.00

Profit ₹0.00

Moderate

Expected Return 12.00%

Total Invested ₹0.00

Final Value ₹0.00

Profit ₹0.00

Aggressive

Expected Return 15.00%

Total Invested ₹0.00

Final Value ₹0.00

Profit ₹0.00

Highest Projected Value —

Difference: Aggressive vs Conservative ₹0.00

Additional Profit Potential ₹0.00

Growth Trajectory

Compare projected portfolio growth under all three return assumptions.