India's most comprehensive systematic investment plan calculator with retirement planning, wealth creation goals, and step-up SIP benefits. Calculate mutual fund SIP returns with detailed projections, inflation impact analysis, and goal-based investment strategies for financial freedom.
Plan your SIP investments with advanced features including retirement planning, wealth creation strategies, and inflation-adjusted returns
Input your monthly SIP amount, investment period, and expected annual returns based on your risk appetite and fund selection.
Enable inflation adjustment to see real purchasing power, set annual SIP increase for step-up SIPs, and choose investment frequency.
Optionally set a target amount for goal-based investing like retirement, child education, or home purchase to track your progress.
View growth chart, year-wise breakdown, and download detailed PDF report. Use results to make informed investment decisions.
Risk Profile: Low risk, steady returns
Fund Types: Debt mutual funds, liquid funds, short-term bond funds
Best for: Capital preservation, emergency fund building, senior citizens
Planning Tool: Use Compound Interest Calculator for fixed deposits comparison
Risk Profile: Balanced risk-reward ratio
Fund Types: Hybrid mutual funds, balanced advantage funds, multi-asset funds
Best for: Child education planning, home purchase goals, wealth accumulation
Planning Tool: Compare with EMI Calculator for loan vs investment decisions
Risk Profile: High risk, maximum wealth creation potential
Fund Types: Large cap equity funds, mid cap funds, small cap funds, sectoral funds
Best for: Long-term retirement corpus, early retirement planning, young investors
Alternative: Consider property investment analysis for diversification
Concept: Increase SIP amount by 10-15% annually with salary growth
Benefits: Faster goal achievement, inflation protection, power of compounding maximization
Perfect for: Career growth phase, salary increments, long-term financial independence
Budget Planning: Use Split Bill Calculator for expense management
Goal: Build ₹5 crore retirement corpus
Strategy: Start SIP at age 25, retire at 60
Monthly SIP: ₹8,000 (step-up 10% annually)
Expected Return: 12% p.a. (equity funds)
Result: Financial independence by 60
Tip: Start early to leverage maximum compounding benefits
Goal: ₹50 lakh for engineering/medical education
Timeline: Child age 3 to 18 (15 years)
Monthly SIP: ₹12,000 with inflation adjustment
Fund Mix: Equity (70%) + Debt (30%)
Expected Return: 10% p.a.
Inflation Factor: 6% education inflation considered
Goal: ₹30 lakh down payment for home
Timeline: 7 years wealth accumulation
Monthly SIP: ₹25,000 in large cap funds
Strategy: Conservative approach for shorter timeline
Expected Return: 9% p.a.
Backup: Use EMI Calculator for home loan planning
Goal: ₹10 crore wealth for early retirement
Timeline: 20 years aggressive investing
Monthly SIP: ₹20,000 (increases with income)
Portfolio: Multi-cap funds + small cap exposure
Expected Return: 14% p.a.
Strategy: High risk, high reward for young investors
SIP Advantage: Higher returns (10-15% vs 5-7%)
Tax Benefits: ELSS SIP offers 80C deductions
Liquidity: Better than FDs with no penalties
Inflation Beat: SIP historically beats inflation
Tool: Compare with FD calculator
Returns: SIP potential 12-15% vs PPF 7-8%
Lock-in: No lock-in vs 15 years PPF lock-in
Flexibility: Change amount anytime vs fixed PPF rules
Tax: Both offer tax benefits under 80C
Recommendation: Combine both for diversification
Entry Barrier: ₹1,000 SIP vs ₹50L+ property
Liquidity: SIP easily redeemable vs property challenges
Returns: Comparable long-term returns
Maintenance: No maintenance vs property upkeep
Analysis: Use Rent vs Buy Calculator
Monthly SIP: ₹10,000
Period: 25 years
Expected Return: 12%
Investment: ₹30,00,000
Maturity Value: ₹1,89,58,887
Monthly SIP: ₹5,000
Period: 15 years
Expected Return: 11%
Investment: ₹9,00,000
Maturity Value: ₹20,76,309
Monthly SIP: ₹15,000
Period: 20 years
Expected Return: 13%
Investment: ₹36,00,000
Maturity Value: ₹1,84,67,406
SIP (Systematic Investment Plan) is a disciplined investment method where you invest a fixed amount regularly in mutual funds. It helps reduce market volatility impact through rupee cost averaging and maximizes returns through the power of compounding. SIP creates wealth systematically by investing small amounts consistently over long periods.
Equity mutual funds historically deliver 10-15% annual returns over long-term (10+ years), while debt funds provide 6-8% returns. Your expected returns depend on fund selection, market conditions, and investment duration. Conservative investors should expect 8-10%, moderate investors 10-12%, and aggressive investors 12-15%. Remember, past performance doesn't guarantee future returns.
Absolutely! Inflation significantly impacts long-term financial goals. If you need ₹1 crore purchasing power today, you'll need approximately ₹3.2 crores after 20 years assuming 6% annual inflation. Our SIP calculator includes inflation adjustment features to show real purchasing power of your investments. Always factor inflation when planning retirement, child education, or major life goals.
Step-up SIP automatically increases your monthly investment amount annually (typically 10-15% or in line with salary increments). This strategy helps counter inflation effects, accelerate goal achievement, and maximize the power of compounding. As your income grows, your investments grow proportionally, creating substantial wealth over long periods. It's perfect for young professionals expecting career growth.
Our SIP calculator uses mathematically proven compound interest formulas and is highly accurate for projections. However, actual mutual fund returns may vary due to market volatility, fund manager performance, expense ratios, and economic conditions. Use calculator results as estimates for financial planning, not guaranteed returns. Always consult financial advisors for investment decisions.
Yes, SIP offers complete flexibility! You can modify investment amount, pause, restart, or stop SIP anytime without penalties. Most fund houses allow online changes through their portals. However, maintaining long-term investment discipline yields better results due to rupee cost averaging and compounding benefits. Avoid frequent changes based on short-term market movements.
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