Advanced SIP Calculator
Calculate SIP returns with step-up, initial investment and inflation adjustment for comprehensive financial planning
Important Disclaimer
This tool is for educational and estimation purposes only. Actual results may vary. Please consult a certified financial planner before making financial decisions.
- •Monthly Contributions: SIP made at the beginning of each month for extra compounding
- •Compounding Frequency: Monthly compounding as per standard mutual fund practices
- •Constant Returns: Fixed annual return rate - actual returns are market-dependent and not guaranteed
- •No Step-up: SIP amounts assumed constant each month unless stated
- •No Charges: No exit loads, taxes, STT, or other fees considered - actual returns may be lower
- •Step-up SIP: Increase your SIP amount annually to beat inflation and boost returns
- •Initial Investment: Combines lump sum investment with regular SIP for enhanced returns
- •Inflation Adjustment: Shows real purchasing power of your corpus at maturity
- •Component Analysis: Separate tracking of SIP, step-up, and lump sum performance
Step-up SIP Timing: Step-up is applied at the beginning of each year (Year 2, 3, etc.), not at the end. This ensures accurate compounding calculations.
Real vs Nominal Returns: Nominal returns show absolute growth, while real returns account for inflation using the formula: [(1 + return rate) / (1 + inflation)] - 1
Inflation Impact: Enable inflation rate to see real purchasing power impact.
Monthly Wealth Creation: This shows the average amount of wealth generated per month throughout your investment journey, helping you understand the pace of wealth building.