SIP Calculator
Regular and step-up SIP projection with target-corpus planning
Key Features & Calculation Guidance
Key features: Step-Up SIP, Target Corpus, Yearly Projection. Free, 100% browser-based — no login required.
Frequently Asked Questions
What is a step-up SIP?
A step-up SIP increases your monthly investment periodically, commonly once a year. It can align long-term investing with salary growth and reduce the amount you need to start with for a future target.
How much monthly SIP is needed to build a ₹1 Crore corpus?
At an expected 12% annual return, a starting monthly SIP of ₹15,000 reaches ₹1 Crore in ~17 years. With a 10% annual step-up, you can reach ₹1 Crore in just under 12 years.
How does the target corpus calculation work?
The calculator works backward from your target, tenure, expected return and annual step-up to estimate the starting monthly SIP required. Because returns are uncertain, use conservative assumptions and review the target periodically.
Should I use 12% as a guaranteed mutual-fund return?
No. There is no guaranteed SIP return. The return input is only a projection assumption, and actual market returns can be materially higher or lower.
Does the result include taxes and fund costs?
No. The projection is pre-tax and does not explicitly deduct expense ratios, exit loads or capital-gains tax.
Trending Financial Searches in India
Last updated: 2026-09-04
- Old vs New Tax Regime FY 2026-27 Slabs — Zero tax limit applies up to ₹12.75 Lakhs gross salary under New Regime with ₹75,000 standard deduction.
- Best Personal Loan Interest Rates in 2026-27 — Look for personal loan interest rates starting as low as 8.5% to save more on repayments.
- Top Equity Mutual Funds to Invest in FY 2026-27 — Consider allocating 30% of your portfolio to equity mutual funds that have consistently generated returns above 12% annually for 5 years.
- How to Plan for Retirement in 2026-27 — Aim to save at least 15% of your income annually and invest it in NPS or PPF for a secure retirement.