What this estimate uses
SIP type, Contribution period, Contribution frequency, Investment each time, Annual step-up, Expected return (p.a.), Expected inflation (p.a.), Final value after, Stop SIP after.
Investments calculator
What could your SIP become?
Calculate a regular or step-up SIP with monthly, quarterly, or yearly contributions.
Your estimate
Live result
Estimated corpus
—How it works
A useful estimate, with the assumptions out in the open.
Returns are compounded monthly. Contributions are invested at the start of each selected month, quarter, or year. In Step-Up SIP mode, the amount invested each time increases once every 12 months. If contributions stop early, no money is withdrawn and the accumulated corpus stays invested at the same expected return until the final year. Today’s-money value discounts the final corpus by the entered annual inflation rate over the full holding period.
This result is an educational estimate. Rates, taxes, fees, product rules, and market returns can change.
India-focused guide
What will my regular or step-up SIP corpus be worth after inflation?
Choose a regular or Step-Up SIP, contribution frequency, investment amount, expected return, and inflation rate. The calculator shows the future corpus and its estimated purchasing power in today’s rupees, including when contributions stop early.
Important assumption
Returns are compounded monthly. Contributions are invested at the start of each selected month, quarter, or year. In Step-Up SIP mode, the amount invested each time increases once every 12 months. If contributions stop early, no money is withdrawn and the accumulated corpus stays invested at the same expected return until the final year. Today’s-money value discounts the final corpus by the entered annual inflation rate over the full holding period.
Created and maintained byAll Tool Central
Formula and content reviewed21 August 2026
See how estimates are builtCalculation methodology
Detailed guide
Understand the result before using it.
This combined SIP and Step-Up SIP calculator handles regular or annually increasing contributions, monthly, quarterly or yearly frequency, stopping contributions before the final year, and comparing the future corpus with its purchasing power in today’s rupees.
How regular and Step-Up SIP estimates are calculated
Each contribution is added at the beginning of the selected contribution period. The balance then compounds monthly using the expected annual return divided by 12. Monthly mode contributes 12 times a year, quarterly mode four times and yearly mode once.
The “investment each time” input is the amount of every instalment. Selecting quarterly therefore means four instalments of that amount each year—it does not multiply a monthly amount by three.
When Step-Up SIP is selected, that instalment amount increases once every 12 months by the chosen percentage. The expected-return input remains separate from the annual contribution increase.
FormulaNext month’s balance = (current balance + any contribution due) × (1 + annual return ÷ 12)
Example: ₹5,000 monthly for 20 years
With ₹5,000 invested at the beginning of every month, total contributions are ₹12 lakh over 20 years. The table shows how the assumed return changes the estimate. A constant 6% inflation rate is used only to translate each future corpus into today’s purchasing power.
| Expected return | Amount invested | Estimated corpus | Today’s value at 6% inflation |
|---|---|---|---|
| 10% | ₹12.00 lakh | ₹38.28 lakh | ₹11.94 lakh |
| 12% | ₹12.00 lakh | ₹49.96 lakh | ₹15.58 lakh |
| 14% | ₹12.00 lakh | ₹65.82 lakh | ₹20.52 lakh |
How an annual SIP step-up changes the result
The starting investment is used during the first contribution year. At the beginning of each following year, the amount invested each time rises by the selected percentage. A 10% step-up changes ₹5,000 to ₹5,500 in year two, ₹6,050 in year three and continues compounding the contribution itself.
The comparison below uses a monthly starting SIP of ₹5,000, a constant 12% annual return for 20 years and 6% inflation. The larger corpus comes partly from market-linked growth and partly from investing substantially more money over time.
FormulaInvestment each time in year n = starting investment × (1 + annual step-up)^(n − 1)
| Annual step-up | Total invested | Estimated corpus | Today’s value at 6% inflation |
|---|---|---|---|
| 0% | ₹12.00 lakh | ₹49.96 lakh | ₹15.58 lakh |
| 5% | ₹19.84 lakh | ₹68.69 lakh | ₹21.42 lakh |
| 10% | ₹34.36 lakh | ₹99.44 lakh | ₹31.01 lakh |
What happens when the SIP stops early?
Stopping an SIP does not automatically withdraw the accumulated investment. In stop-early mode, contributions end after the selected year while the existing corpus remains invested at the same assumed return until the final year.
For example, investing ₹5,000 monthly for 10 years and then leaving the corpus invested until year 20 produces an estimated ₹38.34 lakh at 12%. Only ₹6 lakh was contributed. About ₹26.72 lakh of the final amount is growth occurring after the last contribution in this simplified scenario.
How to use the result responsibly
- Test a conservative return as well as an optimistic return.
- Choose a step-up that remains affordable when you compare the final instalment with expected future income.
- Use inflation-adjusted value when comparing the corpus with a future lifestyle or goal.
- Remember that actual mutual-fund returns vary and do not arrive evenly each month.
- Account separately for fees, taxes and product-specific rules before making a decision.
Common questions
Frequently asked questions
Is a quarterly SIP amount treated as three monthly instalments?
No. The entered amount is invested once per selected period. A ₹5,000 quarterly SIP contributes ₹20,000 a year, while a ₹5,000 monthly SIP contributes ₹60,000 a year.
How often does the Step-Up SIP amount increase?
The selected step-up is applied once every 12 months. It changes the amount invested each time; it does not change the assumed investment return.
Can I combine Step-Up SIP with the stop-early option?
Yes. Contributions rise annually until the selected stop year, then no further contributions are made while the accumulated corpus remains invested until the final year.
Can an SIP continue growing after contributions stop?
Yes, if the accumulated units remain invested. The stop-early option models no further contributions and no withdrawal until the final year. Actual growth still depends on market performance and costs.
Why is the value in today’s money much lower?
It discounts the future corpus by the selected inflation rate over the full holding period. It is an estimate of purchasing power, not an additional deduction from the investment account.
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