An estimate only — starting values are filled in, change them to yours. Nothing you type leaves this page.
What it is
A SIP (systematic investment plan) puts a fixed amount into a mutual fund every month. Each instalment buys units at that month's price, and what you have keeps earning on itself.
How it's worked out
Each month's amount grows at the expected return divided by 12, for the months left. Nominal Future Value = P × [(1 + i)ⁿ − 1] ÷ i × (1 + i), where P is the monthly amount, i the monthly return and n the number of months. A step-up raises P every year.
What each input means
- Monthly Investment: How much you put in every month.
- Expected Return Rate (p.a.): The yearly growth % you expect. Markets go up and down, so this is a guess.
- Time Period: For how many years.
- Annual Step-up: By how much % you will raise your monthly amount each year.
- Adjust for Inflation: Turn on to see the result in today's money, after prices rise by this % each year.
Good to know
Real returns go up and down; this assumes the same return every month. Turn on inflation to see what the money will buy in today's terms. Equity gains above ₹1.25 lakh a year are taxed at 12.5% when you sell after a year.
A quick example
₹10,000 a month for 10 years at 12%: you put in ₹12 lakh and end with about ₹23.2 lakh.
This calculator is in the Lekhya app too — offline, no account, and pre-filled from what you track, like your PPF, EPF and NPS. Nothing leaves your phone.
Get LekhyaRelated calculators
- Lumpsum CalculatorWhat one investment made today could be worth later
- Lumpsum vs SIP CalculatorInvest it all now, or spread the same money monthly?
- SWP CalculatorA steady monthly payout from a lump sum, and how long it lasts
- CAGR CalculatorThe steady yearly growth behind a start and end value
- FIRE CalculatorHow much you need so work becomes optional
- FD vs SIP CalculatorA deposit's certainty against a SIP's market returns, after tax
- Stock Gain / Loss CalculatorProfit or loss on shares you hold
- Mutual Fund Gain / Loss CalculatorProfit or loss on fund units you hold
- Gold & Silver CalculatorWhat your gold or silver is worth at today's rate
Lekhya · Made in India · Home · Calculators · FAQs · Privacy · Terms