SIP preset
₹20,000 Monthly SIP Calculator
A ₹20,000 monthly SIP is a common starting point for mid-career investors. This preset shows how that contribution, paired with an annual step-up, might grow over two decades while keeping an eye on purchasing power.
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 once 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
₹3,97,77,431.0 (3.98 Cr)
After 20 years at 12.0% p.a. with 10.0% yearly step-up.
Today's value: ₹1,20,16,608.0 (1.20 Cr) at 6.0% inflation.
Future value
₹3,97,77,431.0 (3.98 Cr)
Today’s value (inflation)
₹1,20,16,608.0 (1.20 Cr)
Total invested
₹1,37,46,000.0 (1.37 Cr)
Gain over invested
₹2,60,31,431.0 (2.60 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.
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
₹3,97,77,431.0 (3.98 Cr)
Today
₹1,20,16,608.0 (1.20 Cr)
Meta
₹20,000 SIP • 10.0% step-up • 12.0% return • 20 yrs
Uses 6.0% inflation when on.
Future
₹2,06,06,435.0 (2.06 Cr)
Today
₹62,25,124 (62.3 L)
Future Δ vs A
-19170996
Today Δ vs A
-5791484
Comparator
Scenario A (base)
₹20,000 • 10.0% step-up • 12.0% return • 20 yrs • Today: 1.20 Cr
3.98 Cr future
Scenario B
₹15,000 • 5.0% step-up • 12.0% return • 20 yrs • Today: 62.3 L
2.06 Cr future (-19170996 vs A)
Today Δ: -5791484
How to read the result
With ₹20k per month, compounding time and return assumptions drive the outcome. Review the Today’s value line to understand what the future corpus could feel like after inflation.
If your income grows, nudging the step-up beyond 10% can offset higher inflation periods—test it in the comparison cards.
This calculator provides estimates for planning purposes only.