SIP Calculator (All-in-One)
Plan investments with SIP, Lumpsum, Advance SIP (Inflation), and Step-Up SIP. Add multiple one-time payments by date (bonuses/top-ups) like co-payments. Get a clean monthly breakdown and compact charts.
Regular SIP + One-Time Top-ups
One-Time Payments date-based
| Date | Amount (₹) | |
|---|---|---|
| No one-time payments added. | ||
Method: Monthly compounding. One-time payments apply at the start of their month, then compound for the remaining term.
Result
Total Value: ₹0
Monthly Breakdown
| Month | Year | SIP (₹) | One-Time (₹) | Invested (₹) | Est. Return (₹) | Total (₹) |
|---|
Lumpsum + Additional One-Time Top-ups
Extra One-Time Payments
| Date | Amount (₹) | |
|---|---|---|
| No extra payments added. | ||
Method: Monthly compounding on initial and each additional dated top-up.
Result
Total Value: ₹0
Monthly Breakdown
| Month | Year | One-Time (₹) | Invested (₹) | Est. Return (₹) | Total (₹) |
|---|
Advance SIP (Inflation-Adjusted) + One-Time Top-ups
One-Time Payments
| Date | Amount (₹) | |
|---|---|---|
| No one-time payments added. | ||
Shows both nominal and inflation-adjusted values (real value). Adjustment uses monthly factor derived from annual inflation.
Result
Total Value: ₹0 (Real: ₹0)
Monthly Breakdown
| Month | Year | SIP (₹) | One-Time (₹) | Invested (₹) | Nominal Total (₹) | Real Total (₹) |
|---|
Step-Up SIP + One-Time Top-ups
One-Time Payments
| Date | Amount (₹) | |
|---|---|---|
| No one-time payments added. | ||
SIP increases once every 12 months by the given step-up percentage. One-time top-ups compound from their month.
Result
Total Value: ₹0
Monthly Breakdown
| Month | Year | SIP (₹) | One-Time (₹) | Invested (₹) | Est. Return (₹) | Total (₹) |
|---|
Here are a few practical interpretations so you can pick precisely what you mean:
Informational / Educational Section
Add text explaining “What is SIP”, “How SIP works”, “Difference between SIP & Lumpsum”, “How step-up helps”, “Impact of inflation”, etc.
Useful for SEO, AI engines, and Google Discover.
Test / Sample Section
Add “Example Scenarios” such as:
Example 1: ₹5,000/month for 10 years @12% = ₹11.6 L corpus.
Example 2: ₹10,000 SIP + 10% step-up = ₹23 L corpus.
Demonstrates calculator accuracy.
FAQ / Educational Tips
“How accurate is this calculator?”, “Does it include taxes?”, “Can I invest weekly?”, “What is inflation-adjusted SIP?”, etc.
SEO + Text Section
A 300-400 word block at the bottom of the page with long-tail keywords, structured headings, schema-friendly paragraphs, and internal link hints.