SIP Calculator 2026: Step-Up SIP, Tax Planning & Retirement SWP
India's most advanced SIP planner for salaried professionals. Goal-based, step-up SIP, inflation-adjusted, tax harvesting, retirement SWP & free Excel download.
👔 Your Profession
Calculation Mode
💰 SIP Details
⚙️ Advanced Settings
Includes 4 sheets: Summary · Year-by-Year · Milestones · Tax Report
📅 Complete Year-by-Year Schedule
15 years · Highlighted = 5-year milestones| Year | Your Age | Monthly SIP | Total Invested | Returns Earned | Corpus Value | Inflation-Adj. Value |
|---|---|---|---|---|---|---|
| 1 | 31 | ₹10,000 | ₹1.20 L | ₹8,093 | ₹1.28 L | ₹1.21 L |
| 2 | 32 | ₹10,000 | ₹2.40 L | ₹32,432 | ₹2.72 L | ₹2.42 L |
| 3 | 33 | ₹10,000 | ₹3.60 L | ₹75,076 | ₹4.35 L | ₹3.65 L |
| 4 | 34 | ₹10,000 | ₹4.80 L | ₹1.38 L | ₹6.18 L | ₹4.90 L |
| 5 | 35 | ₹10,000 | ₹6.00 L | ₹2.25 L | ₹8.25 L | ₹6.16 L |
| 6 | 36 | ₹10,000 | ₹7.20 L | ₹3.38 L | ₹10.58 L | ₹7.46 L |
| 7 | 37 | ₹10,000 | ₹8.40 L | ₹4.80 L | ₹13.20 L | ₹8.78 L |
| 8 | 38 | ₹10,000 | ₹9.60 L | ₹6.55 L | ₹16.15 L | ₹10.13 L |
| 9 | 39 | ₹10,000 | ₹10.80 L | ₹8.68 L | ₹19.48 L | ₹11.53 L |
| 10 | 40 | ₹10,000 | ₹12.00 L | ₹11.23 L | ₹23.23 L | ₹12.97 L |
| 11 | 41 | ₹10,000 | ₹13.20 L | ₹14.26 L | ₹27.46 L | ₹14.47 L |
| 12 | 42 | ₹10,000 | ₹14.40 L | ₹17.83 L | ₹32.23 L | ₹16.01 L |
| 13 | 43 | ₹10,000 | ₹15.60 L | ₹21.99 L | ₹37.59 L | ₹17.63 L |
| 14 | 44 | ₹10,000 | ₹16.80 L | ₹26.84 L | ₹43.64 L | ₹19.30 L |
| 15 | 45 | ₹10,000 | ₹18.00 L | ₹32.46 L | ₹50.46 L | ₹21.05 L |
📥 Download Your Personalised SIP Report
4 branded sheets: Summary · Year-by-Year · Milestones · Tax Report · Powered by ProfitNifty.in
Includes SEBI disclaimer · Goal: Wealth Creation · Period: 15 yrs · SIP: ₹10,000/mo · Corpus: ₹50.46 L
Frequently Asked Questions — SIP Calculator
Answers to common questions about SIP investment planning for salaried professionals in India
What is the best SIP amount for a ₹50,000 monthly salary?▾
Financial planners recommend investing 15–20% of take-home pay via SIP — that's ₹7,500–₹10,000 for a ₹50,000 salary. Using a step-up SIP that grows 10% each year with your salary hike can build ₹1.5+ crore in 20 years vs ₹80 lakh with a fixed SIP from the same starting amount.
What is step-up SIP and how does it work?▾
Step-up SIP (Top-up SIP) automatically increases your monthly investment by a fixed % every year — typically 10–15% to match your annual increment. This leverages compounding on your growing salary, significantly boosting the final corpus vs a fixed SIP. Use this calculator's "Step-Up SIP" mode to see the difference.
How much LTCG tax can I save with tax harvesting?▾
By booking ₹1.25 lakh in equity LTCG every year before 31st March (the tax-free threshold) and immediately reinvesting, you reset your cost basis. This saves ₹15,625 in LTCG tax per year (12.5% × ₹1.25L). Over a 20-year SIP, systematic harvesting can add ₹3–5 lakh to your net corpus.
What is SWP and how does the retirement calculator work?▾
SWP (Systematic Withdrawal Plan) lets you withdraw a fixed monthly amount from your mutual fund corpus post-retirement. This calculator projects your SIP corpus at retirement, then calculates a safe sustainable monthly withdrawal that preserves the corpus for your full retirement period — factoring life expectancy and post-retirement returns.
What is the cost of delaying a SIP by 1 year?▾
Delaying by just 1 year can reduce your final corpus by 10–15%. A ₹10,000/month SIP at 12% for 20 years builds ₹99.9 lakh. Starting 1 year late (19 years instead) gives ₹88.2 lakh — a loss of ₹11.7 lakh from just 12 skipped months. Use the Delay Cost tab above to calculate your exact loss.
Can I download the SIP calculation as an Excel file?▾
Yes — click "Download Excel Report" in the green bar above. You get a 4-sheet branded Excel: (1) SIP Summary with all inputs & results, (2) Year-by-Year growth projection, (3) Key Milestones (₹1L to ₹1Cr), and (4) Tax Report with LTCG analysis and harvesting tip. Completely free, no sign-up required.
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Personal finance platform for Indian salaried professionals · Smart Money for Every Indian Salary
⚠️ Disclaimer: This SIP calculator is provided for educational and informational purposes only. The results shown are estimates based on the return rate you input and do not guarantee actual returns. Mutual fund investments are subject to market risks. Past performance is not indicative of future results. ProfitNifty is not a SEBI-registered investment advisor. Please consult a SEBI-registered investment advisor before making investment decisions. Tax computations are based on prevailing LTCG rules (FY 2026–27) and may change with future budgets. | profitnifty.in · Smart Money for Every Indian Salary.