Rather than asking what a SIP grows into, this works backwards: enter the amount you need and when you need it, and it returns the monthly investment required to get there.
With no step-up, the required instalment is the closed-form inverse of the SIP formula: P = Goal ÷ ([((1 + r)^n − 1) / r] × (1 + r)). With a step-up applied there is no algebraic inverse, so the calculator runs a binary search over the instalment until the projected corpus lands within ₹1 of the goal, and flags the result if it cannot converge.
Three levers change the answer: extend the time horizon, which is by far the most powerful because of compounding; apply an annual step-up so you start lower and scale up; or reduce the goal. Raising the assumed return rate lowers the instalment on paper but does not lower the real-world risk.
Yes, for anything more than a few years out. A goal of ₹50 lakh in 15 years is not ₹50 lakh of today's money. Inflate the target by your expected inflation rate over the period first, then use that larger figure as the goal here.
Extreme combinations of goal, return rate, period, and step-up can push the search beyond what floating-point arithmetic resolves cleanly. The warning means the figures shown should not be trusted — adjust the step-up percentage or the period and recalculate.
This calculator is for information only and is not investment, tax, or financial advice. Figures are estimates based on the assumptions you enter and are not a guarantee of future returns. Consult a SEBI-registered adviser or a qualified tax professional before acting.