Tools

SIP Calculator

Mutual fund SIP calculator with step-up and XIRR

Calculate the wealth accumulated from a monthly SIP over time.

₹10,000
500
10000000
12%
1
30
15 years
1
40
10%
0
50
6%
0
15

Total Value

₹86,83,849

Total Invested

₹38,12,698

Wealth Gained

₹48,71,151

XIRR (Approx)

5.6%

Inflation-Adj Value

₹36,23,467

Lumpsum Equivalent

₹15,86,507

Visual Analysis

Year-by-Year Breakdown

PeriodMonthly SIPTotal InvestedReturnsTotal Value
Year 1₹10,000₹1,20,000₹8,093₹1,28,093
Year 2₹11,000₹2,52,000₹33,241₹2,85,241
Year 3₹12,100₹3,97,200₹79,210₹4,76,410
Year 4₹13,310₹5,56,920₹1,50,403₹7,07,323
Year 5₹14,641₹7,32,612₹2,51,958₹9,84,570
Year 6₹16,105₹9,25,873₹3,89,861₹13,15,734
Year 7₹17,716₹11,38,461₹5,71,067₹17,09,527
Year 8₹19,487₹13,72,307₹8,03,649₹21,75,956
Year 9₹21,436₹16,29,537₹10,96,963₹27,26,501
Year 10₹23,579₹19,12,491₹14,61,835₹33,74,326
Year 11₹25,937₹22,23,740₹19,10,776₹41,34,516
Year 12₹28,531₹25,66,114₹24,58,227₹50,24,342
Year 13₹31,384₹29,42,725₹31,20,840₹60,63,565
Year 14₹34,523₹33,56,998₹39,17,792₹72,74,790
Year 15₹37,975₹38,12,698₹48,71,152₹86,83,849
Regular vs Step-up SIP

Step-up SIP earns ₹36,38,089 more

A 10% annual increase makes a significant difference over time

Inflation Impact

Nominal Value

₹86,83,849

Real Value (today's ₹)

₹36,23,467

Purchasing Power Lost

₹50,60,382 (58.3%)

At 6% inflation over 15 years, prices increase by 140%

Wealth Milestones

₹1L

Year 1 • Invested: ₹1,20,000

7%

₹5L

Year 4 • Invested: ₹5,56,920

27%

₹10L

Year 6 • Invested: ₹9,25,873

40%

₹25L

Year 9 • Invested: ₹16,29,537

60%

₹50L

Year 12 • Invested: ₹25,66,114

80%
Quick Facts

Total Value

₹86,83,849

Total Invested

₹38,12,698

Wealth Multiplier

2.3×

Total Return

128%

XIRR (Approx)

5.6%

Period

15 years

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