SIP, lumpsum, step-up SIP and goal calculators
Play with amounts, time and an assumed rate to see how compounding works, then use the results as a starting point for a conversation, not as a forecast.
- Four calculators in one place
- Year-by-year growth chart
- Works on mobile
Discipline + time = power of compounding
SIP calculator: what a monthly investment may grow to
Illustrative only, at the rate you assume. Not a projection of any scheme. Market-linked returns vary and can be negative.
Lumpsum calculator: growth of a one-time investment
Illustrative only, at the rate you assume. Not a projection of any scheme. Market-linked returns vary and can be negative.
Step-up SIP calculator: a SIP that rises every year
Illustrative only, at the rate you assume. Not a projection of any scheme. Market-linked returns vary and can be negative.
Goal planner: the monthly SIP needed for a future goal
Illustrative only, at the rate you assume. Not a projection of any scheme. Market-linked returns vary and can be negative.
The maths, in plain words
No black boxes. Here is exactly what each calculator does with your numbers.
SIP calculator
Assumes you invest the same amount at the start of every month. Your yearly rate is converted to a monthly rate (12% a year becomes 1% a month). Each instalment then grows for the months left until the end.
Formula: FV = P × [((1 + i)n − 1) ÷ i] × (1 + i), where P is the monthly amount, i the monthly rate and n the number of months.
Lumpsum calculator
Assumes one investment today, growing at your assumed yearly rate with returns reinvested. The chart shows the value at the end of each year.
Formula: FV = A × (1 + r)t, where A is the amount, r the yearly rate and t the number of years.
Step-up SIP calculator
Works like the SIP calculator, but raises your monthly instalment by the step-up percentage once every 12 months. A ₹10,000 SIP with a 10% step-up becomes ₹11,000 a month in year two, ₹12,100 in year three, and so on.
It is the most realistic way to model saving more as your income grows.
Goal planner
First grows today's cost of your goal by the inflation rate you enter, to find its future cost. Then it works backwards through the SIP formula to find the monthly amount needed to reach that future cost at your assumed rate.
Future cost = today's cost × (1 + inflation)years; monthly SIP = future cost ÷ the SIP growth factor.
Be realistic, then be a little more cautious
The single biggest mistake people make with an online SIP calculator is assuming a high rate and treating the result as a promise. A few principles help:
- Match the rate to the asset. Equity funds have historically been volatile from year to year; debt funds move more gently but at lower levels. Do not use an equity-style rate for a debt fund or a short time horizon.
- Test a range. Run the same plan at three rates, for example 8%, 10% and 12%, and make sure the lowest still meets your need.
- Longer horizons are more forgiving. Over 2–3 years, market-linked returns can be anything, including negative. Calculators are most meaningful for horizons of 7 years or more.
- Past returns are not a rate to plug in. Past performance may or may not be sustained in future.
Never ignore inflation
Inflation quietly raises the cost of everything you are saving for. At 6% a year, a cost doubles in roughly 12 years. At that rate, a college fee of ₹10 lakh today would cost about ₹20 lakh in 12 years, when a young child in Dehradun today reaches college age. That is why the goal planner asks for inflation, and why a corpus that looks large in today's rupees may buy less than you expect.
For education goals, 8–10% inflation is often a more honest assumption than general inflation. For retirement, remember that your expenses keep rising after you stop working too.
Use the numbers, then talk to a human
Calculators show the arithmetic; they cannot know your income stability, existing investments or comfort with risk. Read how a monthly habit works on our SIP investment guide, see how to fill the Section 123 limit with tax-saving ELSS funds, or check a home or car loan on the loan EMI calculator. When you are ready, meet us near Ghanta Ghar or message us on WhatsApp.
Frequently asked questions
Are the calculator results guaranteed?
No. The calculators apply the rate you choose, every year, without fail. Real market-linked returns go up and down and can be negative. Results are illustrative only and are not a projection of any scheme.
What rate should I assume for an equity SIP?
Be conservative. Try a few rates, such as 8%, 10% and 12%, and plan around the lower results. If your plan only works at a high assumed rate, it is safer to raise the SIP amount or extend the time period.
Does the SIP calculator account for tax and expenses?
No. The results are before tax, exit loads and any change in expense ratio. Scheme NAVs are already net of the expense ratio, so pick an assumed rate that reflects that.
Why does the goal planner ask for inflation?
A goal that costs ₹25 lakh today will cost more in 12 years. The planner first inflates today's cost to the future cost, then works out the monthly SIP needed to reach it at your assumed rate.
Can I share a specific calculator?
Yes. Each tab updates the page address (for example #stepup or #goal), so you can bookmark or share a link that opens that calculator directly.
Ready to start your investment journey?
Visit us at Ghanta Ghar, Dehradun, or talk to us on WhatsApp. We serve investors across Uttarakhand and Delhi NCR.