WiseCalc
About & methodology

SIP Calculator

Plan your SIP with inflation-aware numbers

Future value and today’s value, updated instantly. Step-up friendly, inflation aware, and ready to share.

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Contributions

SIP + step-up
Monthly SIP amounti
More contribution = larger corpus

Monthly SIP amount

₹

More contribution = larger corpus

Annual step-upi
Increase SIP every year
%

Returns & tenure

Expected annual returni
10-12% typical for equity SIPs
%
Investment duration
Longer tenure compounds better
yrs

Reality check

Inflation keeps projections grounded. Default uses 6% per year.

%

Outcome

₹1,98,88,715.0 (1.99 Cr)

After 20 years at 12.0% p.a. with 10.0% yearly step-up.

Today's value: ₹60,08,304 (60.1 L) at 6.0% inflation.

Future value

₹1,98,88,715.0 (1.99 Cr)

Today’s value (inflation)

₹60,08,304 (60.1 L)

Total invested

₹68,73,000 (68.7 L)

Gain over invested

₹1,30,15,715.0 (1.30 Cr)

Loading chart…

How to read & safety notes

How to read this

  • Future value shows what you might see in your statement at the end.
  • Today’s value adjusts for inflation (default 6%) to keep expectations realistic.
  • Step-up SIP means your monthly amount increases once every year.
  • We assume monthly compounding; actual fund returns will vary.
New

What-if

Real-time comparison

Scenario A uses your main inputs. Add more scenarios with custom SIP, step-up, tenure, returns, and reality check. Compare all in one view.

Inflation reference: 6.0% (toggle per scenario)

Scenario A (base)

Future focus; reality check on

Future

₹1,98,88,715.0 (1.99 Cr)

Today

₹60,08,304 (60.1 L)

Meta

₹10,000 SIP • 10.0% step-up • 12.0% return • 20 yrs

Reality check on

Uses 6.0% inflation when on.

Future

₹68,68,812 (68.7 L)

Today

₹20,75,041 (20.8 L)

Future Δ vs A

-13019903

Today Δ vs A

-3933263

Comparator

Scenario A (base)

₹10,000 • 10.0% step-up • 12.0% return • 20 yrs • Today: 60.1 L

1.99 Cr future

Scenario B

₹5,000 • 5.0% step-up • 12.0% return • 20 yrs • Today: 20.8 L

68.7 L future (-13019903 vs A)

Today Δ: -3933263

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FAQs

What return should I assume for equity SIPs?

Use 10-12% as a conservative long-term equity assumption. For hybrid/debt, use 6-8%.

How is today’s value calculated?

We discount the future value by your inflation rate (default 6%) when Reality check is on.

How does step-up SIP work?

Your monthly SIP increases once a year by the step-up %, then compounds monthly like the base SIP.

Are taxes or fees included?

No. Results are pre-tax, exclude expenses/fees, and are estimates—not financial advice.