Smart SIP Calculator with Real-Life Features
Congrats on your annual hike! Maybe your SIP deserves one too? Calculate SIP returns with step-up features, bulk investments, and salary increment scenarios to build serious wealth over time.
Step-Up SIP
Increase SIP with annual salary hikes for accelerated wealth growth
Bulk Investment
Add bonus money, gifts, or windfalls to supercharge your corpus
Goal Planning
Calculate exact SIP needed for your dream house, car, or retirement
Wealth Timeline
See year-by-year growth with detailed compound interest visualization
See how a 10% annual SIP increase can potentially 2x to 3x your final wealth compared to fixed SIPs! ⬇️
Hybrid SIP Calculator
This tool projects your investment growth with sophisticated options like annual step-up and future lumpsum investments for a more realistic financial forecast.
Bulk InvestmentsInclude any one-time, lumpsum investments you plan to make, such as from a bonus or inheritance. Specify the amount and when you'll invest it.
Summary
Amount Invested
₹0
Estimated Returns
₹0
Total Corpus
₹0
Investment Growth Chart
Why Our SIP Calculator is Different
Step-Up SIP with Salary Hikes
Got a salary hike? Increase your SIP proportionally! Our calculator shows how annual SIP increases of 10-15% can double or triple your wealth compared to fixed SIPs, matching your growing income.
Bulk Investment Tracking
Received a bonus, gift money, or sold something? Add these bulk investmentsto your regular SIP and watch your corpus accelerate. Perfect for festival bonuses and unexpected windfalls.
Goal-Based Planning
Planning for a house, car, child's education, or retirement? Enter your target amount and timeline - our calculator suggests the optimal SIP amount and annual increases needed.
Detailed Wealth Timeline
See year-by-year breakdown of your investments, returns, and corpus growth. Understand the power of compounding with visual charts and detailed projections.
Multiple Scenarios
Compare different SIP strategies side-by-side. See how step-up SIP performs vs regular SIP, or how bulk investments impact your wealth accumulation over time.
Inflation-Adjusted Planning
Our calculations factor in inflation impact on your goals. See real purchasing power of your corpus and plan accordingly for future financial needs.
🎉 Got a Salary Hike? Your SIP Strategy
Don't let lifestyle inflation eat your raise! Channel part of your salary increase into step-up SIPs for exponential wealth growth.
Conservative Approach
25% of hike to SIP
₹10K hike → Increase SIP by ₹2.5K
Balanced lifestyle + wealth growth
Aggressive Approach
50% of hike to SIP
₹10K hike → Increase SIP by ₹5K
Faster wealth accumulation
Super Saver Approach
75% of hike to SIP
₹10K hike → Increase SIP by ₹7.5K
Early financial independence
Perfect for Every Life Stage & Goal
Young Professionals (22-30)
- Start with ₹3K SIP, increase 15% annually with promotions
- Add festival bonuses as bulk investments
- Target: ₹1 Cr by age 35 for house down payment
Growing Families (30-45)
- ₹10K SIP + ₹2K annual increase for child's education
- Add increment money to retirement SIP
- Target: ₹50L education fund + ₹2Cr retirement
Pre-Retirement (45-60)
- Maximize SIP in peak earning years
- Add gratuity, PF withdrawals as bulk investments
- Target: ₹5-10Cr retirement corpus
Ready to Supercharge Your SIP Strategy?
Use our advanced calculator above to see how step-up SIPs and bulk investments can accelerate your wealth creation. Start planning your financial future today!