Money tools
SIP Calculator — Step-Up, SWP & Inflation
A precise investment planner: model a step-up SIP with a lump sum, see your returns in today's money after inflation, then plan withdrawals with the built-in SWP tool. Works in 10 currencies.
How this calculator works
Step-up SIP
Each month your contribution is added and the balance grows at the monthly rate (expected annual return ÷ 12). We compound month by month; every 12 months the monthly amount is increased by your step-up percentage. Any lump sum is added at the start and compounds for the full period.
Inflation-adjusted (real) value
Future value is discounted by your inflation rate to show what the corpus is worth in
today's money: real = future value ÷ (1 + inflation)^years. For long
goals this is the number that actually matters.
SWP — withdrawal planner
Starting from a corpus, each month earns the monthly return and then your withdrawal is subtracted. We show how many years the corpus lasts, and your balance after a chosen period. If your withdrawal is smaller than the monthly return earned, the corpus never runs out.
Frequently asked questions
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly investment by a fixed percentage every year — for example, raising it 10% annually as your income grows. Because you invest more over time, the final corpus is significantly larger than a flat SIP. This calculator applies the step-up at the start of each new year.
How is the SIP future value calculated?
Each month your contribution is added and the balance grows at the monthly rate (annual expected return ÷ 12). We compound month by month for the full period, increasing the monthly amount by your step-up percentage every 12 months, and adding any one-time lump sum at the start. Future value = invested amount + estimated returns.
What does the inflation-adjusted value mean?
Money loses purchasing power over time. The inflation-adjusted (or "real") value shows what your final corpus would be worth in today's money, by discounting the future value at your assumed inflation rate. It is usually the more meaningful number for long-term goals.
What is SWP and how does the withdrawal planner work?
SWP (Systematic Withdrawal Plan) is the reverse of a SIP: you withdraw a fixed amount every month from an invested corpus while the balance keeps earning returns. The planner shows how long your corpus lasts at a given monthly withdrawal, or your balance after a chosen number of years. If your withdrawal is smaller than the monthly return earned, the corpus can last indefinitely.
Are these results guaranteed?
No. Calculators use a constant assumed rate of return, but real markets fluctuate. Results are estimates for planning only, not financial advice or a guarantee. Consult a qualified advisor for decisions about your money.