# SIP Calculator URL: https://discuvr.org/sip-calculator/ Last updated: 2026-11-08 MCP tool: `calculate_sip` See what a monthly SIP grows to with a yearly step-up, a lump sum and inflation, on a live chart, or find the monthly SIP a goal needs. Move a slider and the chart redraws at once. Add a yearly step-up as your salary grows, a lump sum you already have, and inflation, so you see the final value in today's money too. Or flip to goal mode and get the monthly SIP that reaches a target. ## What it does - Live chart of invested amount and returns, year by year, with the value in today's money. - Annual step-up: raise the SIP by a fixed percent every year. - Goal mode: the monthly amount needed to reach a target by a chosen year. - Shows what the step-up adds and what starting five years later would cost. - Share a plan by link or download the year-by-year table as CSV. Nothing is stored. ## How it works 1. Enter the monthly amount, expected return and duration, or drag the sliders. 2. Optionally add a yearly step-up, a lump sum and inflation. 3. Read the final value and chart, or switch to goal mode to work backwards from a target. ## Questions **How is the SIP value calculated?** Each instalment is paid at the start of the month and the annual return compounds monthly, at one twelfth of the yearly rate. 10,000 a month for 10 years at 12 percent grows to about 23.2 lakh from 12 lakh invested, the same figure most fund calculators show. **What is a step-up SIP?** A SIP that rises by a fixed percent once a year, usually in line with salary. A 10 percent step-up on 10,000 means 11,000 a month in year two and 12,100 in year three. **Why show the value in today's money?** Prices rise, so a crore in 20 years buys much less than a crore today. The value in today's money divides the final amount by inflation for each year, which is the fairer number to plan a goal with. **Are returns guaranteed?** No. The expected return is an assumption. Equity funds swing year to year, so treat the result as a range to plan around, not a promise. **How much SIP do I need to reach 1 crore?** At an expected 12 percent a year, about 43,000 a month for 10 years, 19,800 for 15 years, 10,000 for 20 years or 5,300 for 25 years. With a 10 percent yearly step-up, the 15-year plan starts at about 11,500 a month instead. Each extra five years roughly halves the monthly amount, so starting early matters more than the exact figure. Use goal mode with your own return and duration; at a lower return the amount needed rises quickly. **Is a SIP or a lump sum better?** At the same steady return a lump sum ends higher, because all the money is invested from day one: 12 lakh invested once at 12 percent for 10 years grows to about 39.6 lakh, against about 23.2 lakh from 10,000 a month over the same 10 years. Real returns are not steady, though. A SIP buys more units when prices fall, spreads the risk of investing everything just before a drop, and fits money that arrives each month from a salary. To compare on this page, enter the lump sum and set the monthly investment to 0. ## More in Everyday Helpers - [BMI Calculator](https://discuvr.org/bmi-calculator/) - [QR Code Generator](https://discuvr.org/qr-code-generator/) - [Unit Converter](https://discuvr.org/unit-converter/) - [Password Generator](https://discuvr.org/password-generator/) ## Often used with - [CSV to Excel](https://discuvr.org/csv-to-excel/) - [Percentage Calculator](https://discuvr.org/percentage-calculator/) - [Date Difference Calculator](https://discuvr.org/date-difference/) --- Part of Discuvr (https://discuvr.org/): Discuvr is a collection of free, focused tools for day-to-day professional work - office and data utilities, legal and compliance helpers, privacy and security checks, and developer formatters. Every tool has its own page, and most can also be called from ChatGPT or Claude over MCP.