SIP Calculators

Why use a SIP calculator?

A SIP calculator is the single most useful planning tool an Indian investor can have. It converts a vague intention — "I want to build wealth through SIPs" — into a concrete number: "If I invest ₹10,000 per month for 20 years at 12%, I will have approximately ₹99 lakh." This number is the foundation of every financial decision that follows. Without it, you are investing blind — you have no idea whether your SIP amount is sufficient for your goals, whether your time horizon is realistic, or whether your expected returns are reasonable.

With a calculator, you can model multiple scenarios in seconds. What if you invest 20% more per month? What if you work for 5 more years? What if returns are 10% instead of 12%? What if you step up your SIP by 10% every year? Each of these questions has a profound impact on your final corpus, and the calculator lets you see the answer instantly, without doing any math yourself.

Beyond planning, calculators serve a psychological purpose. They make the cost of delay concrete. When you see that postponing your SIP by just 12 months will cost you ₹11 lakh in future wealth, the friction of registering a SIP suddenly feels trivial. When you see that a step-up SIP can nearly double your corpus, the discipline of increasing your SIP annually feels less like a sacrifice and more like a no-brainer.

The complete SIP calculator suite

SIPlyy offers 12 SIP calculators covering every aspect of SIP planning — from basic future value projections to goal-based planning for retirement and child education. Here is a quick guide to which calculator to use when:

• SIP Calculator — the starting point. Project the future value of a monthly SIP. Use this for any "how much will I have?" question.
• SIP Goal Calculator — reverse SIP planning. Enter your target corpus and find out the monthly SIP needed to reach it.
• Step-up SIP Calculator — see how annual step-ups (in line with salary hikes) dramatically boost your corpus.
• SIP Comparison Calculator — compare 3 SIP scenarios side by side to find the best strategy.
• Lump Sum Calculator — for windfall investments (bonuses, inheritances, property sale proceeds).
• SIP vs Lump Sum Calculator — head-to-head comparison of the two strategies.
• SWP Calculator — Systematic Withdrawal Plan, the opposite of a SIP. Critical for retirement planning.
• SIP Inflation Calculator — shows both nominal and inflation-adjusted future values.
• SIP Delay Cost Calculator — the cost of procrastination, quantified in rupees.
• ELSS Tax Saver SIP Calculator — SIP in ELSS funds with Section 80C tax benefit.
• Child Education SIP Planner — goal-based SIP for your child's higher education.
• Retirement SIP Calculator — comprehensive retirement corpus planning.

How our calculators differ from others

There are dozens of SIP calculators on the Indian internet. Ours are different in three important ways:

• Privacy by design. Every calculator runs entirely in your browser using JavaScript. Your inputs — how much you earn, how much you save, your expected returns — never leave your device. We have no server-side processing of any financial data. This is in stark contrast to most bank and distributor calculators, which log your inputs to a server, often to follow up with sales calls.
• No upsell. We do not promote specific mutual funds. We do not have affiliate links to fund houses or distributors. We do not collect your email to send you "personalised recommendations." The calculators are tools, not lead-generation forms.
• Educational context. Each calculator page includes a substantial educational section explaining the math, the assumptions, and the limitations. We want you to understand the calculation, not just see the result. This is the difference between a tool that helps you decide and a tool that decides for you.

Understanding the assumptions

Every calculator on this page makes some assumptions. Understanding them is critical to using the calculators well:

• Constant returns: The calculators assume a constant annual return, but real markets deliver volatile year-on-year returns. The Nifty 50 has had years of +50% and years of −30%. Over long horizons, the average is what matters, but the path matters for your psychology.
• Nominal value: Most calculators show nominal values — what your portfolio will be worth in rupees, not what those rupees will buy. India has historically run at 5–6% inflation, so always mentally discount future values by inflation. Use the SIP Inflation Calculator for accurate real-value projections.
• No taxes: The calculators do not account for taxes on redemption, except the ELSS calculator which shows tax saved. When you withdraw, you will pay LTCG/STCG tax. To estimate your post-tax corpus, knock off 1–2 percentage points from the expected return.
• Uninterrupted SIPs: The SIP and step-up calculators assume uninterrupted monthly investments. In real life, you may pause your SIP during a job loss or step it up faster after a promotion. Treat the projections as planning anchors, not guarantees.

Frequently asked questions about our SIP calculators