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.
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