SIP Investment Calculator
SIP Investment Calculator
Calculate mutual fund SIP compounding, model annual Step-Up increments, and adjust for future inflation.
Increase your monthly investment each year in line with salary growth.
See the future purchasing power of your portfolio in today's money.
Estimated Wealth Maturity
$5,045,760
Invested Principal
$1,800,000
Estimated Gains
$3,245,760
Compounding Curve
SIP Wealth Accumulation Table
15 Years Breakdown| Year | Cumulative Invested | Estimated Gains | Nominal Maturity |
|---|---|---|---|
| Year 1 | $120,000 | $8,093 | $128,093 |
| Year 2 | $240,000 | $32,432 | $272,432 |
| Year 3 | $360,000 | $75,076 | $435,076 |
| Year 4 | $480,000 | $138,348 | $618,348 |
| Year 5 | $600,000 | $224,864 | $824,864 |
| Year 6 | $720,000 | $337,570 | $1,057,570 |
| Year 7 | $840,000 | $479,790 | $1,319,790 |
| Year 8 | $960,000 | $655,266 | $1,615,266 |
| Year 9 | $1,080,000 | $868,215 | $1,948,215 |
| Year 10 | $1,200,000 | $1,123,391 | $2,323,391 |
| Year 11 | $1,320,000 | $1,426,148 | $2,746,148 |
| Year 12 | $1,440,000 | $1,782,522 | $3,222,522 |
| Year 13 | $1,560,000 | $2,199,311 | $3,759,311 |
| Year 14 | $1,680,000 | $2,684,180 | $4,364,180 |
| Year 15 | $1,800,000 | $3,245,760 | $5,045,760 |
The Mathematical Superiority of Step-Up SIP
Standard SIP calculations assume you invest the exact same monthly contribution throughout a 15-20 year career. However, real-world salaries typically expand by 8-12% each year. By toggling a 10% Annual Step-Up, an investor allocating ₹10,000/month accumulates over ₹2.1 Crore across 15 years at 12% CAGR, compared to only ~₹50 Lakhs in a static SIP — quadrupling the terminal corpus with modest incremental contributions.