Estimate the maturity value of a mutual fund SIP — with step-up SIP, lump sum, goal planning, inflation-adjusted returns, CAGR, a year-wise table, charts, SIP-vs-lump-sum comparison and CSV / Excel / PDF export.
Year-wise growth (light band = amount invested, bar = value)
Calculate monthly, weekly, daily, quarterly, half-yearly or yearly SIPs — the compounding adjusts automatically.
Increase your SIP by a fixed percentage every year to match rising income, and see how much faster your corpus grows.
Model a one-time lump sum on its own, or a lump sum together with a regular SIP.
Enter a target corpus and the tool works out the exact SIP you need to reach it in your chosen time.
See the real, inflation-adjusted value of your maturity amount — what it will actually be worth in today's money.
Get the absolute return, the wealth ratio (how many times your money grows) and a clear invested-vs-returns split.
A year-by-year table plus a growth chart, corpus curve and invested-vs-returns donut show exactly how it builds up.
Save several SIPs — different amounts, rates or step-ups — and compare their maturity side by side.
Download the year-wise schedule as CSV or Excel, print a PDF report, or share a link that reopens your exact inputs.
Every calculation runs in your browser. Nothing is uploaded, stored or shared — no account, no server.
The ApneSoftware SIP Calculator is a complete, professional-grade investment planning tool that runs entirely in your browser. A SIP, or Systematic Investment Plan, is the most popular way Indians invest in mutual funds: instead of putting in a large lump sum at once, you commit a fixed amount at regular intervals, and over the years that discipline — combined with the power of compounding — can grow into a substantial corpus. Working out exactly what a SIP will be worth involves a compound-growth formula that compounds every period and is genuinely awkward by hand. This calculator does it instantly, and then goes far beyond a single number: it models step-up SIPs, lump sums, goal-based planning and inflation, and shows the whole journey with a year-wise table and charts.
At its simplest you enter three things — your investment amount, the expected annual return, and the duration — and immediately see your total invested, the estimated returns earned purely from growth, and the final maturity value. Every input has both a slider and a precise field, so you can drag to explore or type an exact figure. But real planning needs more than the basics, and the calculator provides it. You can choose the SIP frequency — monthly, weekly, daily, quarterly, half-yearly or yearly — because not everyone invests monthly, and the compounding adjusts to match. You can add a one-time lump sum on its own or alongside your SIP. And you can layer on inflation to see the real story.
The feature that most changes the outcome is the step-up SIP. As your income rises each year, increasing your SIP by even a small percentage has a dramatic effect over a long horizon, because the extra contributions themselves compound for years. The calculator lets you set an annual step-up percentage and instantly shows how much larger your final corpus becomes compared with a flat SIP. For most salaried investors a step-up SIP is the single most powerful lever available, and seeing it quantified — in rupees, on your own numbers — is often the moment the idea of investing “clicks”.
Serious planning is usually goal-based, so the calculator includes a goal planner. Instead of guessing an amount, you enter the corpus you want — for retirement, a child's education or marriage, a home down payment, a car, a holiday or an emergency fund — along with your time horizon and expected return, and the tool works backwards to tell you exactly how much you need to invest each period to get there. This reverse calculation is what turns a vague wish into a concrete monthly plan, and because it is instant you can try several time horizons and return assumptions to find a target that fits your budget.
Numbers alone can mislead, which is why the calculator takes inflation seriously. A corpus of one crore rupees sounds impressive, but in twenty years it will buy far less than it does today. The tool shows the inflation-adjusted (real) value of your maturity amount — what it will actually be worth in today's purchasing power — so your goals are set in money that means something. Alongside this it reports the wealth ratio (how many times your invested money grows) and the absolute return, giving you an honest, rounded picture rather than a single flattering figure.
The whole journey is made visible. A year-wise table lists, for every year, how much you have invested and what the corpus is worth, so you can watch compounding accelerate — the striking truth that most of the growth happens in the later years becomes obvious. Charts reinforce it: an invested-versus-returns donut shows how the share of “growth” overtakes your own contributions over a long horizon, a corpus curve traces the value over time, and a year-wise bar chart shows each year's value with the invested portion shaded, so you can see at a glance how the gap between what you put in and what it is worth widens. To compare choices, you can save several scenarios — different amounts, rates, durations or step-ups — into a comparison table and line them up.
Because good financial decisions deserve to be recorded and shared, the calculator lets you export the year-wise schedule as a CSV or Excel file, print a clean PDF report through your browser, or generate a share link that encodes your exact inputs so a partner, parent or advisor opens the very same plan. All of this — every calculation, chart, table and export — happens locally on your device. Nothing you type is uploaded to a server, stored, or shared, and no account or email is required; after the page loads you can even use it offline. Investment planning involves personal financial information, and this local-only design means those numbers never leave your control.
A closing word on honesty, because a financial tool is only as trustworthy as its caveats. This calculator projects growth at a constant assumed rate, which real mutual funds never actually deliver — markets have good years and bad years, and the assumed rate is a planning benchmark, not a promise. Mutual fund investments are subject to market risk, and past or assumed performance is not indicative of future results. The tool is built to help you understand, compare and plan with realistic estimates and honest inflation-adjusted figures, not to guarantee a return. Used that way — to build a disciplined, goal-based, inflation-aware plan and then confirm it with a qualified, SEBI-registered advisor — it is a genuinely powerful companion for anyone serious about long-term wealth creation.
ApneSoftware SIP Calculator एक पूर्ण, पेशेवर‑स्तर का निवेश‑योजना टूल है जो पूरी तरह आपके ब्राउज़र में चलता है। SIP यानी Systematic Investment Plan, भारत में mutual funds में निवेश का सबसे लोकप्रिय तरीका है: एक बार में बड़ी lump sum डालने के बजाय, आप नियमित अंतराल पर एक तय रकम लगाते हैं, और सालों में यह अनुशासन — compounding की ताकत के साथ — एक बड़े corpus में बदल सकता है। यह ठीक‑ठीक निकालना कि कोई SIP कितनी value की होगी, एक compound‑growth formula से जुड़ा है जो हर अवधि compound होता है और हाथ से निकालना मुश्किल है। यह calculator इसे तुरंत करता है, और एक अकेली संख्या से कहीं आगे जाता है: यह step‑up SIP, lump sum, goal‑based planning और inflation को मॉडल करता है।
सबसे सरल रूप में आप तीन चीज़ें डालते हैं — निवेश राशि, अपेक्षित वार्षिक return, और अवधि — और तुरंत अपना कुल invested, केवल growth से कमाए अनुमानित returns, और final maturity value देखते हैं। हर इनपुट में slider और सटीक field दोनों हैं। पर असली planning को बुनियादी बातों से ज़्यादा चाहिए, और calculator वह देता है। आप SIP frequency चुन सकते हैं — monthly, weekly, daily, quarterly, half‑yearly या yearly — और compounding उसी के अनुसार ढल जाती है। आप एक बार का lump sum अकेले या SIP के साथ जोड़ सकते हैं, और inflation लगाकर असली तस्वीर देख सकते हैं।
जो सुविधा नतीजे को सबसे ज़्यादा बदलती है वह है step‑up SIP। हर साल आय बढ़ने के साथ अपनी SIP को थोड़े प्रतिशत से भी बढ़ाना लंबी अवधि में नाटकीय असर डालता है, क्योंकि अतिरिक्त योगदान खुद सालों तक compound होते हैं। calculator आपको वार्षिक step‑up प्रतिशत सेट करने देता है और तुरंत दिखाता है कि flat SIP की तुलना में आपका final corpus कितना बड़ा हो जाता है। ज़्यादातर वेतनभोगी निवेशकों के लिए step‑up SIP सबसे शक्तिशाली उपकरण है।
गंभीर planning आम तौर पर goal‑based होती है, इसलिए calculator में एक goal planner है। राशि का अनुमान लगाने के बजाय, आप वह corpus डालते हैं जो आप चाहते हैं — retirement, बच्चे की शिक्षा या शादी, घर का down payment, कार, छुट्टी या emergency fund — अपनी समय‑सीमा और अपेक्षित return के साथ, और टूल उल्टा गणना करके बताता है कि वहाँ पहुँचने के लिए आपको हर अवधि कितना निवेश करना होगा। यह उल्टी गणना एक अस्पष्ट इच्छा को एक ठोस मासिक योजना में बदल देती है।
अकेली संख्याएँ भ्रमित कर सकती हैं, इसलिए calculator inflation को गंभीरता से लेता है। एक करोड़ रुपये का corpus प्रभावशाली लगता है, पर बीस साल में यह आज से बहुत कम खरीद पाएगा। टूल आपकी maturity राशि की inflation‑adjusted (real) value दिखाता है — आज की क्रय‑शक्ति में यह असल में कितनी होगी। साथ ही यह wealth ratio (आपका पैसा कितने गुना बढ़ता है) और absolute return बताता है।
पूरी यात्रा दिखाई जाती है। एक साल‑दर‑साल तालिका हर साल के लिए बताती है कि आपने कितना निवेश किया और corpus कितने का है, ताकि आप compounding को तेज़ होते देख सकें। charts इसे मज़बूत करते हैं: एक invested‑बनाम‑returns donut, एक corpus curve, और एक साल‑दर‑साल bar chart जिसमें invested हिस्सा छायांकित होता है। विकल्पों की तुलना के लिए, आप कई scenarios को एक comparison तालिका में सहेज सकते हैं।
अच्छे वित्तीय निर्णय दर्ज और साझा किए जाने चाहिए, इसलिए calculator साल‑दर‑साल schedule को CSV या Excel के रूप में export करने, ब्राउज़र से साफ़ PDF रिपोर्ट प्रिंट करने, या एक share link बनाने देता है जो आपके ठीक वही इनपुट खोल देता है। यह सब — हर गणना, chart, तालिका और export — आपके डिवाइस पर स्थानीय रूप से होता है। आपकी टाइप की कोई चीज़ सर्वर पर अपलोड, सेव या साझा नहीं होती, और किसी अकाउंट की ज़रूरत नहीं; पेज लोड होने के बाद आप ऑफ़लाइन भी उपयोग कर सकते हैं।
अंत में ईमानदारी पर एक बात, क्योंकि कोई वित्तीय टूल उतना ही भरोसेमंद है जितनी उसकी चेतावनियाँ। यह calculator एक constant assumed rate पर growth का अनुमान लगाता है, जो असली mutual funds कभी नहीं देते — बाज़ार अच्छे और बुरे साल देखते हैं, और assumed rate एक planning benchmark है, वादा नहीं। Mutual fund निवेश market risk के अधीन हैं, और past या assumed performance भविष्य के results की गारंटी नहीं। टूल आपको यथार्थवादी अनुमानों और ईमानदार inflation‑adjusted आँकड़ों के साथ समझने, तुलना करने और योजना बनाने में मदद के लिए बना है — किसी return की गारंटी देने के लिए नहीं। इसे इसी तरह उपयोग करें और अपनी योजना किसी योग्य SEBI‑registered सलाहकार से पुष्ट करें।
The future value of a regular SIP is the sum of each instalment compounded to the end, where P is the amount per period, i is the periodic rate (annual% ÷ periods per year ÷ 100), and n is the number of instalments. With investment at the start of each period:
A lump sum grows as P × (1 + i)ⁿ. For a monthly SIP, i = annual% ⁄ 12 ⁄ 100 and n = years × 12. If the rate is 0, FV is simply P × n. The tool builds the schedule period by period, which also lets it handle step-up SIPs correctly.
A step-up (or top-up) SIP increases your contribution by a fixed percentage every year — for example, a 10% step-up on a ₹5,000 monthly SIP means you invest ₹5,000 in year one, ₹5,500 in year two, ₹6,050 in year three, and so on. Because each increase is invested for many more years, a step-up SIP compounds far more than a flat SIP for only a modest extra outlay, and it naturally keeps your investing in line with a rising salary. In this calculator, set the step-up percentage in the advanced panel and compare the maturity value against a 0% step-up to see the difference — over long horizons it is often enormous.
Inflation quietly erodes what money can buy. If prices rise about 6% a year, something costing ₹100 today costs roughly ₹320 in twenty years — so a future corpus is worth much less than its face value suggests. This calculator shows the inflation-adjusted (real) value of your maturity amount: the maturity value divided by (1 + inflation)^years, i.e. what it would buy in today's money. Planning goals in real terms — especially long ones like retirement or a child's education — is the difference between a target that looks big and one that is actually enough. The real rate of return is approximately ((1 + return) ⁄ (1 + inflation)) − 1.
Start early: because of compounding, beginning a SIP ten years sooner often beats investing a larger amount later. Stay consistent: continuing SIPs through market falls buys more units cheaply (rupee-cost averaging) and is where much of the long-term return comes from. Step up every year: raise your SIP with your income to accelerate the corpus for little extra effort. Be goal-based: attach each SIP to a specific goal and time horizon rather than investing without a target. Think in real terms: set goals after adjusting for inflation. Diversify: a calculator assumes one rate, but real portfolios spread risk across funds and asset classes — use this tool to plan, and a qualified advisor to choose.
Every calculation, chart, table and export runs entirely inside your browser in JavaScript. Nothing you enter — amounts, returns, goals or any other figure — is ever uploaded to a server, stored, or shared. No account, email or signup is required, and once the page has loaded you can use the calculator offline. Investment planning involves personal financial information, and this local-only design means those numbers never leave your device.
Works in all modern browsers — Google Chrome, Mozilla Firefox, Microsoft Edge, Safari, Brave and Opera — on Windows, macOS, Linux, Android and iOS. It uses only standard HTML, CSS and JavaScript with inline SVG charts and the browser's own print for PDF export. On phones and tablets the layout stacks into a single column, the sliders are touch-friendly and the table scrolls horizontally.
The same compounding maths applies to any periodic investment, so the calculator works for equity, debt, hybrid and index mutual fund SIPs, step-up SIPs, lump-sum investments, and recurring-style contributions at monthly, weekly, daily, quarterly, half-yearly or yearly frequency. It is equally useful for goal planning — retirement, education, marriage, a home, a vehicle, a holiday or an emergency fund. It estimates growth at a constant assumed return; it is not a live NAV tracker and does not fetch real fund data.
This is an estimate for planning, not a guarantee. It assumes a constant rate of return, whereas real markets fluctuate and returns are not assured. It does not model exit loads, expense ratios, or taxes such as LTCG and STCG, which reduce actual returns; nor does it fetch live NAVs. Step-up is applied once a year at the start of each year. Inflation adjustment uses a single assumed rate. Currency selection changes only the display symbol, not the maths. Always read scheme documents and consult a SEBI-registered financial advisor before investing real money.
Results show ₹0: make sure the amount (or target, in Goal mode) and duration are greater than zero. Goal mode shows a huge SIP: the target may be too high for the time and return — increase the duration or expected return, or lower the target. Maturity looks too optimistic: lower the expected return; long-term equity averages are a benchmark, not a promise, and taxes and costs are not included. Inflation-adjusted value seems low: that is the point — it shows today's purchasing power; reduce the inflation rate to see a less conservative figure. Excel button does nothing: your browser may have blocked the download — allow downloads and retry, or use CSV. Share link didn't restore values: make sure the whole URL after the “?” was copied.