SIP preset
SIP Calculator for 12% Annual Returns
A 12% return assumption is typical for long-term equity-heavy portfolios in India. This page lets you see how that rate compounds with a steady SIP and an optional yearly step-up. Numbers are pre-tax and purely for planning, so you can stress test what happens if markets deliver less.
Assumptions used
- Annual compounding with monthly SIP contributions
- Constant expected returns (pre-tax) for illustration
- Optional inflation adjustment at 6% by default
- No taxes, loads, or fees included unless you add them manually
- Monthly SIP with annual step-ups applied every 12 months
- Returns assumed constant at 12% p.a., compounded monthly
- Inflation default 6% for present value
Try the calculator with this preset
Inputs are prefilled for this scenario. Adjust returns, tenure, or step-up to match your situation. Reality check keeps an inflation-adjusted line visible.
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.
Contributions
SIP + step-upMonthly SIP amount
More contribution = larger corpus
Returns & tenure
Reality check
Inflation keeps projections grounded. Default uses 6% per year.
Outcome
₹1,04,20,619.0 (1.04 Cr)
After 15 years at 12.0% p.a. with 10.0% yearly step-up.
Today's value: ₹42,46,219 (42.5 L) at 6.0% inflation.
Future value
₹1,04,20,619.0 (1.04 Cr)
Today’s value (inflation)
₹42,46,219 (42.5 L)
Total invested
₹45,75,237 (45.8 L)
Gain over invested
₹58,45,382 (58.5 L)
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.
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.
Scenario A (base)
Future focus; reality check onFuture
₹1,04,20,619.0 (1.04 Cr)
Today
₹42,46,219 (42.5 L)
Meta
₹12,000 SIP • 10.0% step-up • 12.0% return • 15 yrs
Uses 6.0% inflation when on.
Future
₹52,24,602 (52.2 L)
Today
₹21,28,933 (21.3 L)
Future Δ vs A
-5196017
Today Δ vs A
-2117286
Comparator
Scenario A (base)
₹12,000 • 10.0% step-up • 12.0% return • 15 yrs • Today: 42.5 L
1.04 Cr future
Scenario B
₹8,000 • 5.0% step-up • 12.0% return • 15 yrs • Today: 21.3 L
52.2 L future (-5196017 vs A)
Today Δ: -2117286
How to read the result
At 12% assumed returns, growth is sensitive to how long you stay invested and how consistently you step up contributions. The Reality check line shows what that future corpus may feel like today after inflation.
If inflation averages higher than 6%, the purchasing power of the final corpus will be lower—toggle Reality check to see the impact instantly.
This calculator provides estimates for planning purposes only.