SIP preset
Conservative SIP Calculator at 8% Returns
Debt-heavy or short-horizon portfolios may warrant an 8% return assumption. This preset keeps step-ups gentle so you can plan without relying on aggressive market 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 start of each year
- Returns assumed constant at 8% 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
₹30,66,940 (30.7 L)
After 12 years at 8.0% p.a. with 5.0% yearly step-up.
Today's value: ₹14,95,520 (15.0 L) at 6.0% inflation.
Future value
₹30,66,940 (30.7 L)
Today’s value (inflation)
₹14,95,520 (15.0 L)
Total invested
₹19,10,055 (19.1 L)
Gain over invested
₹11,56,885 (11.6 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
₹30,66,940 (30.7 L)
Today
₹14,95,520 (15.0 L)
Meta
₹10,000 SIP • 5.0% step-up • 8.0% return • 12 yrs
Uses 6.0% inflation when on.
Future
₹22,27,814 (22.3 L)
Today
₹10,86,341 (10.9 L)
Future Δ vs A
-839126
Today Δ vs A
-409179
Comparator
Scenario A (base)
₹10,000 • 5.0% step-up • 8.0% return • 12 yrs • Today: 15.0 L
30.7 L future
Scenario B
₹8,000 • 3.0% step-up • 8.0% return • 12 yrs • Today: 10.9 L
22.3 L future (-839126 vs A)
Today Δ: -409179
How to read the result
At 8%, the gap between future value and today’s value narrows, underscoring how inflation and lower returns reduce purchasing power. Extend the tenure or increase the SIP to reach the same goal.
If inflation stays near 6%, real returns at 8% leave a thin cushion. Keep Reality check on to stay realistic about the corpus.
This calculator provides estimates for planning purposes only.