True SIP Calculator

Plan your SIPs with realistic assumptions.

This calculator helps you estimate long-term investment outcomes by incorporating inflation, step-up contributions, and multiple asset categories.

This website is best experienced on a laptop, desktop, or larger screen. Some charts and tools may feel limited on mobile interfaces.


Enter your details below to personalize this chart on your data — takes about 2 minutes.

Investment Information

Choose the number of years you expect to stay invested so the projection reflects compounding over your full timeline.

You may assume ~3% for developed, ~6% for developing, and ~12% for underdeveloped nations, but confirm with current data as these are only estimates.

This is the amount with which your investment increases every year by a fixed percentage, helping you invest more as your income grows and build higher long-term returns.

Consider matching your step-up with inflation

Large Cap

Mid Cap

Small Cap

Planning Tips

Make the most of your SIP plan.

Use these practical insights to turn your calculation into an action plan.

Common mistakes

  • Using unrealistic return expectations.
  • Ignoring inflation or step-up contributions.
  • Not reviewing allocations when goals change.

Best practices

  • Start with conservative inputs and iterate.
  • Increase SIPs as income grows.
  • Keep emergency funds separate from SIPs.

Next steps

  • Document your target corpus and timeline.
  • Set calendar reminders for annual reviews.
  • Use the results to align with your insurance plan.
FAQ

True SIP Calculator questions.

Short answers to help you interpret your outputs.

What if I do not know my expected return?

Use conservative estimates and try a range of values. The goal is to understand sensitivity, not to predict exact returns.

Why does the real value look much lower?

Inflation reduces purchasing power. Real value shows what your corpus can actually buy in today's money.

Should I always step up my SIP?

Step-ups help your contributions keep pace with income and inflation, but only increase when cash flow allows.

Do I need all three market caps?

No. The tool separates them to model different return expectations. You can set unused categories to zero.