Advanced SIP Calculator

Professional investment planning tool with step-up SIP, inflation adjustment, and goal-based analysis for comprehensive wealth building strategies.

Investment Parameters
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Advanced Features

Enable step-up SIP and inflation adjustment for more realistic projections

Smart Tips
Step-up SIP Benefits

Increase your SIP by 10-15% annually to match salary increments and build wealth faster.

Inflation Protection

Consider inflation to understand the real purchasing power of your future wealth.

Goal Setting

Set specific financial goals to stay motivated and track your progress effectively.

Time Advantage

Start early! Even small amounts can grow significantly with the power of compounding.

Understanding SIP Investments

What is a Systematic Investment Plan (SIP)?

A SIP is a disciplined investment approach where you invest a fixed amount regularly in mutual funds or other investment vehicles. This method helps in:

  • Rupee Cost Averaging: Reduces the impact of market volatility
  • Disciplined Investing: Creates a habit of regular investing
  • Compound Growth: Harnesses the power of compounding over time
  • Flexibility: Can be started with small amounts
Benefits of Step-up SIP

A step-up SIP allows you to increase your investment amount periodically:

  • Inflation Beating: Keeps pace with rising costs
  • Income Growth: Matches salary increments
  • Faster Goal Achievement: Accelerates wealth creation
  • Lifestyle Inflation: Maintains investment discipline
Formula Used

Regular SIP: FV = P × [((1 + r)^n - 1) / r] × (1 + r)

Step-up SIP: More complex calculation considering annual increases

Inflation Adjusted: Real Value = Nominal Value / (1 + inflation)^years

Where: P = Monthly investment, r = Monthly return rate, n = Number of months