Advanced SIP Calculator
Plan your financial future with our Step-up SIP calculator, complete with growth charts and a "Cost of Delay" analysis.
Investment Parameters
Invested Amount
₹0
Wealth Gained
₹0
Future Value
₹0
Inflation-Adjusted Value
₹0
Post-Tax Value
₹0
The Impact of Waiting
If you start today:
₹0
If you start in 1 year:
₹0
What's Your Financial Goal?
How to Use the SIP Calculator
1. Set Your Goals
Use the sliders to input your desired monthly investment, expected annual return, and the number of years you plan to invest.
2. Add a Step-Up
To make your plan more realistic, set an annual "step-up" percentage. This increases your monthly investment each year, aligning with a potential salary hike.
3. Analyze the Results
Instantly see your future wealth, total gains, and the growth chart. The "Impact of Waiting" card powerfully shows what you could miss by delaying your investment.
Formulas Used in This Calculator
Standard SIP
Calculated using the Future Value of an annuity formula for investments made at the start of each period.
FV = P × [((1+r)ⁿ - 1) / r] × (1+r)
- P: Monthly Investment
- r: Monthly Rate of Return
- n: Number of Months
Step-Up SIP
Calculated iteratively, year by year. The future value of each year's contributions (at the new, stepped-up amount) is calculated and compounded for the remaining tenure.
Inflation-Adjusted Value
This shows the real value of your future wealth in today's terms, accounting for the loss of purchasing power.
Adjusted Value = FV / (1 + i)ⁿ
- FV: Future Value
- i: Annual Inflation Rate
- n: Number of Years
Post-Tax Value
Calculates the value after accounting for Long-Term Capital Gains (LTCG) tax on equity investments in India.
Tax = (Total Gains - 1,00,000) × Tax Rate
The first ₹1 lakh of gains is tax-exempt per financial year.
Frequently Asked Questions
What is a Step-up SIP?
A Step-up SIP (or top-up SIP) is a facility that allows you to automatically increase your SIP investment amount at regular intervals, typically annually. This helps you invest more as your income grows, accelerating your wealth creation.
What is the 'Cost of Delay'?
The 'Cost of Delay' is the potential earnings you lose by postponing your investment. Our calculator shows you how much less you would earn if you started your SIP one year later, highlighting the powerful effect of compounding over time.
How is the future value calculated?
For a standard SIP, we use the future value of an annuity formula. For a Step-up SIP, we calculate the future value for each year's investment individually and sum them up, as each year has a different monthly investment amount.