SIP corpus with step-up mode, XIRR & 3-scenario simulation
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SIP corpus with step-up mode, XIRR & 3-scenario simulation. The SIP Calculator is designed to help individuals, investors, and finance professionals with financial planning, budgeting, and investment decisions.
Instead of complex manual computation, you can use this tool to get instant, accurate results. Simply enter your values to see a step-by-step breakdown of how the answer was reached.
This utility works directly in your browser without any sign-ups or downloads.
FV = P × ({[1 + i]^n - 1} / i) × (1 + i)
Where FV is Future Value, P is SIP amount, i is monthly return rate, and n is number of months.
Use this to plan for retirement, children's education, or wealth building via mutual funds or index funds over a 5 to 30 year horizon.
The results project your estimated future wealth. It separates your "Total Invested" from the "Wealth Gained" to show the power of long-term equity investing.
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⚠️ Financial Disclaimer: Results are estimates based on the inputs you provide and standard mathematical formulas. They do not constitute financial advice. Please consult a certified financial advisor, accountant, or tax professional before making any investment, loan, or financial decisions.
Quick Examples
Increase SIP by this % each year (e.g. annual appraisal)
Enter values to calculate
Your result will appear here instantly
SIP investing uses Rupee Cost Averaging — you buy more units when prices fall and fewer when prices rise, reducing average cost over time. Consistency beats timing. Starting a SIP of ₹10,000/month at 25 vs. 35 years of age can mean the difference of ₹3-4 crore in final corpus.