SIP preset
SIP Calculator for a 15-Year Goal
Many education and home down-payment goals sit around a 15-year horizon. This page preloads a mid-range return and a moderate step-up so you can gauge what steady investing could deliver without assuming extreme equity performance.
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-up applied at the end of each year
- Returns assumed constant at 11% 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
₹1,06,77,524.0 (1.07 Cr)
After 15 years at 11.0% p.a. with 8.0% yearly step-up.
Today's value: ₹43,50,903 (43.5 L) at 6.0% inflation.
Future value
₹1,06,77,524.0 (1.07 Cr)
Today’s value (inflation)
₹43,50,903 (43.5 L)
Total invested
₹48,87,381 (48.9 L)
Gain over invested
₹57,90,143 (57.9 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
₹1,06,77,524.0 (1.07 Cr)
Today
₹43,50,903 (43.5 L)
Meta
₹15,000 SIP • 8.0% step-up • 11.0% return • 15 yrs
Uses 6.0% inflation when on.
Future
₹59,88,140 (59.9 L)
Today
₹24,40,062 (24.4 L)
Future Δ vs A
-4689384
Today Δ vs A
-1910841
Comparator
Scenario A (base)
₹15,000 • 8.0% step-up • 11.0% return • 15 yrs • Today: 43.5 L
1.07 Cr future
Scenario B
₹10,000 • 5.0% step-up • 11.0% return • 15 yrs • Today: 24.4 L
59.9 L future (-4689384 vs A)
Today Δ: -1910841
How to read the result
At a 15-year horizon, incremental step-ups and sticking to the plan matter more than chasing higher returns. Use the comparison panel to see how a smaller SIP or lower return shifts the ending corpus.
For long horizons, inflation erodes purchasing power quickly. Keep the Reality check on to see today’s value alongside the future value.
This calculator provides estimates for planning purposes only.