SIP Calculator
See how a fixed monthly SIP could grow over time, and how much of the final amount comes from returns.
Goal Planner
Find the monthly SIP you may need for a goal like a child's education, a home or a car, after inflation.
Your details
₹10,00,000 = 10 lakhAllowed range: ₹10,000 to ₹10,00,00,000
Allowed range: 1 to 40 yrs
Allowed range: 0 to 15%
Allowed range: 1 to 30%
Optional. Leave at 0 if none.Allowed range: ₹0 to ₹5,00,00,000
Results
Monthly SIP needed for 10 years
₹7,708
- Goal cost in 10 yrs
- ₹17,90,848
- Savings may grow to
- ₹0
- Inflation adds
- ₹7,90,848
- Invested₹9,24,949(52%)
- Est. returns₹8,65,899(48%)
Growth year by year
- Invested
- Est. returns
Years along the bottom. Hover or tap a bar to see that year’s numbers.
Year-by-year table
| Year | Invested | Est. returns | Value |
|---|---|---|---|
| 1 | ₹92,495 | ₹6,238 | ₹98,733 |
| 2 | ₹1,84,990 | ₹24,998 | ₹2,09,988 |
| 3 | ₹2,77,485 | ₹57,868 | ₹3,35,353 |
| 4 | ₹3,69,979 | ₹1,06,638 | ₹4,76,617 |
| 5 | ₹4,62,474 | ₹1,73,323 | ₹6,35,797 |
| 6 | ₹5,54,969 | ₹2,60,196 | ₹8,15,165 |
| 7 | ₹6,47,464 | ₹3,69,818 | ₹10,17,282 |
| 8 | ₹7,39,959 | ₹5,05,073 | ₹12,45,032 |
| 9 | ₹8,32,454 | ₹6,69,212 | ₹15,01,666 |
| 10 | ₹9,24,949 | ₹8,65,899 | ₹17,90,848 |
For illustration only. Assumes a constant rate of return, which real investments don’t deliver. Mutual fund returns are not guaranteed, and tax, fees and exit loads are not included. This is not investment advice.
Want a plan based on these numbers?
We can help you pick suitable schemes and set it up. See Goal-Based Financial Planning.
How this calculator works
- 1
Enter what the goal costs today. The planner raises it by inflation to estimate the cost when you need the money.
- 2
If you already have savings for this goal, they're assumed to grow at the same expected return.
- 3
The planner then works out the monthly SIP needed to cover the rest.
Frequently asked questions
Why does the goal cost more in the future?
Prices rise over time (inflation). Something that costs ₹10 lakh today could cost noticeably more in 10 years, so the planner aims for the future cost, not today's.
What inflation rate should I use?
General inflation in India has often been in the 4–7% range, but some costs, such as education, have risen faster. Use a higher rate for those goals.
Are these results guaranteed?
No. The calculator assumes the same return every year, which never happens in real markets. Mutual fund returns go up and down and are not guaranteed. Use the result as a rough guide, not a promise.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns.
More calculators
Lumpsum Calculator
Estimate what a one-time investment could grow to over a number of years at an expected rate of return.
Step-up SIP Calculator
See the effect of raising your SIP by a fixed percentage every year, for example as your income grows.
Ready to plan your investments?
Talk to the RWAKKA team. Your first consultation is free and comes with no obligation.