How SIP Works
Compounds monthly and supports annual SIP step-up. The calculator uses the visible inputs, applies the formula below, and rounds rupee outputs to whole numbers so the result is easy to read on mobile.
Formula
SIP result = validated inputs → formula calculation → rounded Indian result
Inputs used:
- Monthly SIP
- Expected return
- Investment period
- Annual step-upExample Calculation
India-Specific Assumptions
- Loan and investment results use standard public formulas used by Indian banks and mutual-fund calculators.
- Rates are editable reference assumptions, not offers from a bank or AMC.
- All rupee results are rounded to whole rupees for readability.
- Inputs are treated as estimates; actual bank, employer, university, insurer, or tax-office calculations may differ.
- The calculator uses Indian formats, slab concepts, and common FY 2025-26 assumptions where relevant.
Common questions
No. SIP results depend on market returns, fund choice, expenses, and timing. The calculator is a planning tool, not a maturity guarantee.
Step-up increases your monthly SIP by a fixed percentage every year, which is useful when your income is expected to rise.
Enter the expected annual return. The calculator converts it into a monthly compounding assumption.
They solve different needs. SIP suits regular income and habit building; lumpsum suits already available money.
Yes for a quick corpus estimate, but use the retirement calculator when you need inflation-adjusted expenses and retirement age assumptions.
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Disclaimer: This calculator is for general informational and educational purposes only. It is not financial, tax, legal, academic, insurance, or professional advice. Verify important decisions with the relevant official source, employer, bank, university, insurer, or adviser.
Last updated: April 2026