Investments

SIP Calculator India

Plan SIP goals with regular SIP, step-up SIP, goal SIP, delay cost, milestones and inflation-adjusted estimates.

Last reviewed: May 2026

Educational estimate only

Results can vary based on company policy, lender terms, tax law, and personal assumptions.

See the Source and methodology section below for details.

Choose SIP mode

Enter your values

Monthly SIP amountRsAmount invested every month.Expected annual return%Expected average annual return. This is not guaranteed.Investment durationyearsHow long you plan to continue the SIP.

SIP assumption presets

Inflation assumption (optional)%Present-value estimate uses this inflation assumption.I reviewed emergency readiness before increasing SIP commitments. You can cross-check with the emergency fund calculator.

Estimated results

Total invested amount

₹12,00,000

Estimated future value

₹23,23,391

Estimated gains

₹11,23,391

Plan quality badge

Inflation-Aware Plan

You are evaluating both nominal corpus and inflation-adjusted value.

Explanation mode

Total invested: ₹12,00,000. Estimated gains: ₹11,23,391. Estimated future value: ₹23,23,391. Actual outcome may vary due to market movement, fund costs, taxes, and contribution timing.

Educational estimate only. RupeeKit does not provide financial, investment, legal, or tax advice.

What-if scenarios

See how a 10% change in monthly SIP may change the estimated future value.

90% SIP

₹9,000

Estimated Future Value

₹20,91,052

100% SIP

₹10,000

Estimated Future Value

₹23,23,391

110% SIP

₹11,000

Estimated Future Value

₹25,55,730

What if you delay SIP by 1 year?

Delay cost is an estimate based on the same assumed return and duration. It is not a guarantee.

Starting now

₹23,23,391

Starting after 1 year

₹19,48,215

Estimated difference

₹3,75,176

What if you miss some SIPs?

Missed SIPs per yearcountSet missed SIP frequency between 0 and 4 months per year.

Catch-up preference

Perfect SIP future value

₹23,23,391

Realistic value after misses

₹23,23,391

Estimated impact

₹0

Catch-up SIP amount

Not applied

Missing SIPs can affect long-term projections. This is an educational estimate only.

What if you pause SIP for a few months?

Pause durationmonthsNumber of months SIP contributions are paused.

Restart after pause

Without pause

₹23,23,391

With pause

₹22,25,356

Estimated difference

₹98,035

Extra SIP to recover gap

₹441

Use salary hike to increase SIP

Current monthly SIPRsNo salary input required. Use only SIP value.DurationyearsPlanning duration for salary hike SIP scenario.Expected annual return%Educational return assumption.

SIP increase model

Expected annual income hike%Estimated yearly income hike percentage.Percent of hike allocated to SIP%Share of hike planned for SIP increase.

Final-year monthly SIP

₹12,379

Estimated future value

₹25,32,261

Extra corpus vs flat SIP

₹2,08,871

What if an EMI ends and you redirect part of it to SIP?

Current SIPRsCurrent monthly SIP amount.EMI amountRsEMI amount that may end in the future.EMI ends aftermonthsMonth count after which EMI is assumed to close.Percent of EMI to redirect to SIP%Share of closed EMI planned for SIP increase.DurationyearsPlanning duration for this redirect scenario.Expected annual return%Educational return assumption.

Without redirect

₹23,23,391

With EMI redirect

₹35,34,840

Extra estimated corpus

₹12,11,449

Month SIP increases from

Month 25

This is a planning scenario only. Do not redirect money without considering emergency fund, debt terms, and household needs.

SIP Mistake Detector

Check this assumption: Review emergency fund readiness before increasing SIP commitments.

Visual breakdown

Total invested amount is ₹12,00,000 and estimated gains are ₹11,23,391.

Total invested

₹12,00,000

Estimated gains

₹11,23,391

SIP milestone timeline

Milestone	Total invested till then	Estimated value	Estimated gains
End of Year 1	₹1,20,000	₹1,28,093	₹8,093
End of Year 3	₹3,60,000	₹4,35,076	₹75,076
End of Year 5	₹6,00,000	₹8,24,864	₹2,24,864
Final Year (10)	₹12,00,000	₹23,23,391	₹11,23,391

Breakpoint milestones

Shows when the estimate may cross common corpus levels within your selected duration.

Target level	Reached around	Invested at milestone	Estimated value	Estimated gains
₹1,00,000	Year 1, Month 10	₹1,00,000	₹1,05,668	₹5,668
₹5,00,000	Year 4, Month 5	₹4,10,000	₹5,08,790	₹98,790
₹10,00,000	Year 6, Month 10	₹7,00,000	₹10,16,831	₹3,16,831

Inflation-adjusted value

Estimated future value

₹23,23,391

Approx present-value equivalent

₹12,97,369

Present-value estimate shows what the future amount may roughly feel like in today's purchasing power, based on your inflation assumption.

One-Year SIP Action Plan

Start or continue selected SIP amount: ₹10,000.
Review progress after 3 months.
Review emergency fund status before increasing risk exposure.
Recheck inflation-adjusted goal value.
Review after salary hike or major income change.
Increase SIP if affordable and sustainable.
Recalculate after major expense or income change.

SIP Review Checklist

Are you assuming returns as estimates, not guarantees?
Did you include inflation?
Do you have an emergency fund before aggressive investing?
Are you reviewing SIP yearly?
Did your income or goal change?
Are you aware tax, expense ratio, and exit load may affect actual outcomes?

SIP Calculator Quick Answer

Quick Answer

How does a SIP calculator estimate future value? A SIP calculator estimates how monthly investments may grow over time using the SIP amount, expected annual return, and investment duration. The result is only an educational projection because mutual fund returns are market-linked and not guaranteed.

Formula

Future Value of SIP = monthly SIP x [((1 + monthly return) ^ number of months - 1) / monthly return] x (1 + monthly return)

Example

If you invest Rs 10,000 per month for 10 years at an assumed 12% annual return, the calculator estimates the future value based on monthly compounding assumptions.

Educational estimate only. Actual mutual fund returns may vary due to market movement, expense ratio, exit load, taxes, and fund performance.

Answer Engine Summary

A SIP calculator estimates the future value of monthly investments using SIP amount, expected annual return, and investment duration. RupeeKit's SIP calculator also shows step-up SIP, goal SIP, missed SIP impact, pause-and-restart scenarios, inflation-adjusted value, and EMI-to-SIP redirect scenarios. Results are educational estimates only because mutual fund returns are market-linked and not guaranteed.

What happens if you miss a SIP?

Missing SIP installments can reduce your projected corpus because fewer contributions get time to compound. In RupeeKit, the missed SIP scenario estimates this impact using your selected contribution gap and return assumptions. It is a planning estimate and not a prediction of actual fund performance.

Can you pause and restart SIP later?

SIPs can be paused and restarted, but pausing usually lowers projected corpus because the skipped period does not accumulate contributions. RupeeKit's pause-and-restart view helps compare continuity versus pause scenarios with the same return inputs. Use it as an educational comparison before deciding your savings plan.

What is step-up SIP?

Step-up SIP means increasing the SIP amount periodically, usually every year, instead of keeping it flat. RupeeKit estimates how these planned increases may change invested amount and projected future value compared with regular SIP. This helps you evaluate whether gradual contribution growth may support long-term goals.

How much SIP is needed for a goal?

Goal SIP mode estimates a monthly SIP amount for a target corpus using your expected return and time horizon. RupeeKit also lets you compare regular SIP and step-up SIP style assumptions for the same goal. This is a planning estimate only and should be reviewed as income, tenure, or market assumptions change.

How does inflation affect SIP planning?

Inflation reduces the real purchasing power of future money, so a corpus target may need adjustment over time. RupeeKit's inflation-adjusted view converts projected corpus into today's value terms for practical goal planning. This helps compare nominal growth and real-value outcomes side by side.

Can EMI amount be redirected into SIP after loan closure?

After a loan closes, some households may choose to redirect the freed EMI amount into SIP contributions for goal planning. RupeeKit includes an EMI-to-SIP redirect scenario to estimate how this change may affect the projected corpus over remaining tenure. It is an educational planning scenario, not a recommendation.

Is SIP return guaranteed?

No. SIP returns are market-linked and not guaranteed. RupeeKit uses user-entered return assumptions only for projection, so actual outcomes can be higher or lower than estimated values.

SIP Calculator Facts

Topic	RupeeKit explanation
SIP return	Market-linked and not guaranteed
Calculation type	Monthly compounding-style estimate
Step-up SIP	SIP amount increases yearly or by selected interval
Inflation-adjusted value	Shows future value in today's purchasing-power terms
Missed SIP impact	Estimates reduction from skipped installments
EMI-to-SIP redirect	Scenario planner after EMI closure
Product recommendation	RupeeKit does not recommend mutual funds

Source and methodology

Last reviewed: May 2026

This calculator uses user-entered SIP amount, expected return, tenure, optional step-up, missed SIP, pause, goal, inflation, and EMI redirect assumptions. It uses monthly compounding-style projection for educational planning. It does not recommend mutual funds, does not fetch live fund returns, and does not guarantee outcomes.

Related calculators and guides

For broader money planning, also review FD calculator for fixed-return comparison, personal loan EMI calculator for obligation planning, emergency fund calculator before aggressive investing, guide on how much emergency fund may be practical, RupeeKit resources hub.

FAQs

What happens if I miss a SIP?

Missing SIP contributions can reduce the projected corpus because fewer installments get time to compound. Use the SIP consistency simulator to estimate possible impact and catch-up scenarios.

Can I pause and restart SIP?

Yes. This planner lets you model a pause period and restart assumption to compare the estimated corpus with and without pause.

Should I increase SIP after salary hike?

Many investors review SIP after income growth. The salary-hike planner helps estimate how gradual SIP increases may affect long-term corpus projections.

How does inflation affect SIP goal planning?

Inflation can reduce future purchasing power. The inflation reality check shows a present-value equivalent so you can assess what your projected corpus may represent in today's terms.

Is step-up SIP better than regular SIP?

It depends on affordability and consistency. Step-up SIP may increase projected corpus if yearly increments are sustained, but it requires higher future contributions.

Can I redirect EMI amount into SIP after loan closure?

You can model this scenario in the EMI-to-SIP redirect planner. Use it as an educational estimate and review emergency needs and debt terms before action.

Is SIP return guaranteed?

No. SIP returns are market-linked and not guaranteed. This calculator provides educational projections based on assumptions entered by the user.

Does this calculator recommend mutual funds?

No. RupeeKit does not recommend mutual funds or investment products. It is an educational planning calculator only.

How is SIP future value calculated?

The estimate uses monthly SIP contribution, annual return assumption converted to monthly rate, and duration. It follows a monthly compounding-style projection model.