Project SIP or lumpsum growth with annual step-up, an inflation-adjusted real value, a growth chart, and a year-by-year breakdown.
Content last reviewed
What the numbers mean
| Year | Invested | Value | Gain |
|---|---|---|---|
| Y1 | ₹60,000 | ₹64,047 | ₹4,047 |
| Y2 | ₹1,20,000 | ₹1,36,216 | ₹16,216 |
| Y3 | ₹1,80,000 | ₹2,17,538 | ₹37,538 |
| Y4 | ₹2,40,000 | ₹3,09,174 | ₹69,174 |
| Y5 | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 |
| Y6 | ₹3,60,000 | ₹5,28,785 | ₹1,68,785 |
| Y7 | ₹4,20,000 | ₹6,59,895 | ₹2,39,895 |
| Y8 | ₹4,80,000 | ₹8,07,633 | ₹3,27,633 |
| Y9 | ₹5,40,000 | ₹9,74,108 | ₹4,34,108 |
| Y10 | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 |
| Y11 | ₹6,60,000 | ₹13,73,074 | ₹7,13,074 |
| Y12 | ₹7,20,000 | ₹16,11,261 | ₹8,91,261 |
| Y13 | ₹7,80,000 | ₹18,79,656 | ₹10,99,656 |
| Y14 | ₹8,40,000 | ₹21,82,090 | ₹13,42,090 |
| Y15 | ₹9,00,000 | ₹25,22,880 | ₹16,22,880 |
Monthly investing or a one-time amount left to compound.
Add an optional annual step-up for SIPs and an inflation rate for the real-value view.
Future value, wealth gained, today's-money equivalent, a growth chart, and a year-by-year table.
The default scenario, with the invested/gained split that makes compounding visible.
Input
₹5,000/month · 12% expected return · 15 yearsOutput
Future value ≈ ₹25 lakh on ₹9 lakh invested — roughly ₹16 lakh of wealth gained; at 6% inflation, worth about ₹10.5 lakh in today's moneyRaising the contribution each year as income grows compounds the outcome substantially.
Input
Same inputs · annual step-up 10%Output
Both invested and future value rise sharply — the step-up field shows exactly how much versus the flat planA SIP — systematic investment plan — is the habit of investing a fixed amount into a fund every month, and this calculator answers the question every SIP investor asks: what could it become? Enter the monthly amount, an expected annual return, and the years, and it projects the future value, splits it into money invested versus wealth gained, and charts the growth year by year.
Two features push it past the basic projection. An annual step-up lets the monthly amount grow a chosen percentage each year — matching how salaries actually rise — which compounds into a dramatically larger corpus than a flat SIP. And an inflation input converts the headline figure into today's purchasing power: a crore twenty years out is impressive until the real-value line shows what it buys. A one-time lumpsum mode covers the other investing pattern with the same outputs, and everything works across nine currencies.
What the projection really demonstrates is how disproportionately time matters: ₹5,000 a month at 12% grows to roughly ₹25 lakh in 15 years, with the later years compounding on an ever-bigger base — starting earlier routinely beats investing more later. Treat the return as an assumption, not a promise: the tool's own disclaimer is blunt that market returns fluctuate and can be negative, and bracketing the plan at, say, 8% and 12% is the honest way to see the range of outcomes.
Choose the mode: Monthly SIP or One-time lumpsum, and pick your currency.
Enter the monthly investment (or lumpsum amount), the expected return per year — 10–12% is a common long-term equity planning figure, and the field says so — and the time period in years.
For SIPs, optionally set an annual step-up percentage to grow the contribution each year as income rises.
Set the inflation rate to see the maturity amount expressed in today's money.
Read the sidebar (future value, invested, gained, and the donut), the insight panel (absolute return, real value, growth multiple), the growth chart, and the year-by-year table. Use Copy to export the scenario as text.
Monthly contributions simulated month by month, or a single amount left to compound — same outputs either way.
Grow the monthly SIP by a set percentage each year, mirroring salary growth — a major driver of the final corpus.
The maturity figure discounted to today's purchasing power at your chosen inflation rate.
Invested versus value plotted over time, with a year-by-year breakdown of the gain.
Absolute return on money invested and growth as a multiple of contributions.
Locale-formatted amounts in INR, USD, EUR, GBP, AED, AUD, CAD, SGD, JPY; one-click summary export.
See what a monthly SIP could become over 10, 20, or 30 years.
Adjust the monthly amount until the projection meets a target corpus.
Quantify how annual contribution increases change the outcome versus a flat SIP.
Run both modes on the same horizon to compare the patterns.
Use the inflation-adjusted value to see the plan in today's money.
SIP mode simulates the account month by month: each month's contribution is added and the balance grows at the monthly rate (annual return ÷ 12), with the contribution stepping up by your chosen percentage every 12 months. Lumpsum mode compounds a single amount over the same horizon. The yearly table and chart snapshot the simulation at each year's end.
The derived figures are transparent arithmetic: wealth gained is future value minus contributions; the real value divides the future value by (1 + inflation)ʸᵉᵃʳˢ to express it in today's money; the absolute return and growth multiple compare the outcome against what you put in. The projection assumes a constant average return — real journeys are lumpy, which is why the result is a planning number rather than a forecast.
Monthly SIP or one-time lumpsum.
Sliders plus direct entry; return as an annual percentage, horizon up to 50 years.
0–50% yearly increase in the monthly contribution.
Used only for the today's-money view of the maturity amount.
Nine currencies; text-summary export; one-click defaults.
The amount, return, or years field is missing or out of range for the selected mode.
Usually a different compounding convention (deposit-then-grow versus grow-then-deposit) or expense treatment — differences are small percentages, and both are estimates on top of an assumed return anyway.
That is inflation doing exactly what it does over decades. The figure is the honest one to plan goals against; raising contributions (or the step-up) is the lever.
The projection assumes a smooth constant return — real market returns vary year to year and can be negative, and the model excludes fund expense ratios, exit loads, and taxes, all of which reduce realized outcomes. Step-up is a fixed annual percentage; irregular top-ups are not modelled. The inflation view is a single-rate discount. As the built-in disclaimer states: projections only, market risks apply, and scheme documents and qualified advice govern real decisions.
All simulation runs in your browser — amounts, horizons, and scenarios are never uploaded or stored. Copy writes only to your clipboard.
Assume 10–12% for long-horizon equity and re-run at 8% to bracket the range — plan on the cautious case.
Use the step-up field; matching contributions to salary growth is the most realistic big lever.
Judge goals against the inflation-adjusted value, not the headline number.
Start earlier rather than bigger — time in the market compounds harder than amount.
Keep SIPs running through downturns; fixed contributions buy more units when prices fall.
Plan on the sober scenario. Run the calculator at your realistic return and again two or three points lower; if the cautious case still reaches the goal, the plan is robust. Anything that requires the optimistic case to work is a gamble wearing a spreadsheet.
Automate what the model assumes: the projection's power comes from unbroken monthly contributions, so set the auto-debit and treat market dips as the months your money buys cheap units — stopping during downturns is the classic way real outcomes fall short of projections.
And revisit annually, not daily: update the amount (apply the step-up for real), the remaining horizon, and the goal's inflation-adjusted price. A yearly half-hour keeps a twenty-year plan honest without letting volatility drive decisions.
SIP mode runs a month-by-month accumulation at the monthly rate with contributions stepped up every 12 months; lumpsum mode compounds a single principal. Yearly snapshots feed the chart and table. Derived metrics: gain = FV − invested; real value = FV ÷ (1 + inflation)ʸ; absolute return = gain ÷ invested. All computation is client-side with locale-aware currency formatting across nine currencies.
Mutual-fund investors planning or reviewing SIPs, savers translating goals into monthly amounts, and anyone weighing SIP versus lumpsum patterns. The inflation view suits goal-planners who want honest numbers; the step-up suits anyone whose income — and therefore capacity — grows yearly. Lump-sum-with-frequency scenarios (FDs, deposits) belong in the Compound Interest Calculator.
Evidence and boundaries
This tool includes terminology commonly used in India. Verify current rates, filing rules, product terms, and professional requirements for your jurisdiction.
Evidence standard reviewed .
For long-horizon equity funds, 10–12% a year is the standard planning assumption — the input's own help text says as much — with debt funds nearer 6–8%. Assume less than you hope for and bracket with a lower run; robustness beats optimism.
It raises the monthly contribution by your chosen percentage every 12 months, mirroring salary growth. Because the larger contributions arrive with years still to compound, a 10% step-up changes the final corpus far more than intuition suggests — the projection shows exactly how much.
The maturity amount is divided by (1 + inflation rate) raised to the number of years — expressing it in today's purchasing power. At 6% inflation over 15 years, that divides the headline figure by roughly 2.4.
No — a SIP buys market-linked fund units whose value fluctuates, and the disclaimer here is explicit about it. The projection assumes a smooth average; real averages only tend to emerge over 7–10+ year holds.
Mathematically a lumpsum invested early wins on average, because more money compounds longer. Practically, most people have monthly income, and SIPs automate the habit while averaging purchase prices. Both modes are here — run your actual situation.
No — expense ratios, exit loads, and capital-gains taxes all reduce realized returns and are outside the model. Treat the output as a pre-cost planning figure, and the cautious-return run as your buffer.