Free · No sign-up · 2026
SIP Calculator — Plan Every Rupee
Calculate SIP corpus, plan step-up investments, see inflation-adjusted returns, and model your retirement withdrawal — all in one place.
SIP Calculator
QUICK PRESETS
Want more precision?
Step 2 unlocks: Lumpsum + SIP, Step-Up SIP, Inflation adjustment, LTCG Tax, Expense Ratio, and Exit Load.
Total Invested ↔
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Wealth Gained ↔
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Estimated Corpus
123 L ↔ full—
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Smart Insight
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Growth Over Time
Invested vs Returns
Year-by-Year Breakdown
| Year | Invested | Returns | Corpus |
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Advanced SIP
Base settings carried from Step 1. Enable features below to layer on complexity.
Initial Lumpsum
One-time amount invested at the start
Step-Up SIP
Increase SIP annually as salary grows
Inflation Adjustment
See real purchasing power of your corpus
Expense Ratio
Annual fund management fee (direct: ~0.5%)
LTCG Tax
12.5% on gains above ₹1.25L (Budget 2024)
Exit Load
One-time charge on early redemption
Total Invested ↔
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Nominal Corpus ↔
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After Tax & Charges ↔
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Smart Insight
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Growth Projection
Invested vs Returns
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Year-by-Year Projection
| Year | SIP/mo | Invested | Corpus | Real Value (today's ₹) | After Tax |
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SWP Calculator
Withdrawal Inflation
Increase withdrawal each year with inflation
Total Withdrawn ↔
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Remaining Corpus ↔
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Fund Lasts Until ↔
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Est. Tax Outgo ↔
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Withdrawal Health
Smart Insight
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Corpus Depletion Over Time
SWP Year-by-Year Schedule
| Year | Monthly W/D | Total W/D | Returns Earned | Tax Paid | Balance |
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How the SIP Calculator Works
Compound Interest Formula
Uses the standard SIP formula: M × [(1+r)ⁿ−1] / r × (1+r) where M is monthly investment, r is monthly return, and n is number of months.
Step-Up SIP Logic
Increases your monthly investment by a fixed % each year — typically matching your salary hike. This dramatically boosts your corpus through higher contributions and compounding.
SWP: Retirement Income
SWP lets your corpus grow while you withdraw a fixed monthly amount. We show exactly how long your money lasts and the optimal sustainable withdrawal rate.
Understanding Your Results in 2026
What is LTCG Tax?
Long-Term Capital Gains tax applies to equity mutual fund gains above ₹1.25 lakh per year. As of Budget 2024, the rate is 12.5%. The first ₹1.25 lakh of gains is tax-free.
What is Expense Ratio?
The annual fee a mutual fund charges to manage your money. Direct plans charge 0.1–1%, regular plans can charge 1–2.5%. A lower expense ratio means more returns stay with you.
Real vs. Nominal Return
Nominal return is the stated return (e.g., 12%). Real return adjusts for inflation. At 6% inflation, a 12% nominal return gives a real return of roughly 5.7%.
Rule of 72
Divide 72 by your expected annual return to estimate doubling time. At 12%, money doubles in 6 years. At 8%, it takes 9 years.
Calculator Guide & FAQ
View all FAQs →Σ Formulas Used
SIP Future Value
M × [(1+r)ⁿ − 1] / r × (1+r)
M = monthly SIP · r = monthly rate (annual÷12÷100) · n = total months
Reverse SIP (Goal Calc)
Goal × r / [(1+r)ⁿ − 1] / (1+r)
Inverts the SIP formula to find required monthly investment for a target.
Real (Inflation-Adjusted) Corpus
Nominal Corpus ÷ (1+inflation)ⁿ
n = years. Shows purchasing power in today's rupees.
Rule of 72 (Doubling Time)
72 ÷ Annual Return %
Quick estimate of years to double. At 12%, money doubles in 6 years.
↑ Step-Up SIP
Increases your SIP by a fixed % each year. Mirrors salary growth. A 10% step-up on ₹10K/mo can nearly double your final corpus vs a flat SIP over 15 years.
% Expense Ratio
Deducted from annual return before compounding. Direct plans: 0.1–1%. Regular plans: 1–2.5%. Seemingly small, but 1% over 20 years can cost 15–20% of your final corpus.
₹ LTCG Tax (2024)
12.5% on equity gains above ₹1.25L per year. Applied only to the gain portion at redemption. The ₹1.25L annual exemption means small investors often pay zero LTCG.
↓ SWP & Safe Withdrawal
Monthly withdrawal ≤ portfolio's monthly return = corpus never depletes. The 4% annual rule (≈0.33%/mo) is the global benchmark. Our health indicator shows your rate vs the safe threshold instantly.