SIP Calculator Excel — Step-Up & Lumpsum
Project your mutual-fund SIP corpus year by year, with an optional annual step-up and an inflation-adjusted (real) value. Includes a one-time lumpsum and CAGR tab. Built on a transparent year-wise engine you can audit — not a black box.
Download Excel — FreeNo signup. No email required. Direct download.What you get
Sheet-by-sheet overview
Workbook contents (3 sheets)
- Cover — How to use the workbook, the assumptions it makes, and the market-risk note.
- SIP Calculator — Inputs (monthly SIP, expected return, years, step-up %, inflation), a summary block (total invested, maturity, wealth gain, real value) and the full year-wise schedule.
- Lumpsum — One-time investment growth, year-wise value, effective CAGR and the inflation-adjusted figure.
How to use
- Open the SIP Calculator sheet and enter your monthly SIP amount in the yellow input cell.
- Set the expected annual return (for example 12%) and the investment tenure in years.
- Optionally set an annual step-up % to increase your SIP each year, and an inflation rate for the real-value figure.
- Read the summary — total invested, maturity value, wealth gain and inflation-adjusted corpus update instantly.
- Switch to the Lumpsum sheet to model a one-time investment and read its CAGR.
Why a year-wise SIP model beats a single formula
Most online SIP calculators return one number from a closed-form annuity formula. That is fine for a flat SIP, but it hides the journey and cannot handle a step-up — exactly the lever that matters most for long-term investors. This workbook compounds each year’s twelve instalments to the year-end and rolls the corpus forward, so you can see the balance grow line by line and change any assumption mid-stream.
Why step-up matters
A step-up SIP raises your monthly contribution by a set percentage each year, typically in line with your salary growth. Because the extra contributions compound for the remaining tenure, even a 10% annual step-up can lift the final corpus by 50% or more over a 15-year horizon compared with a flat SIP — without ever feeling like a large jump in any single year.
Real returns after inflation
A corpus that looks large in future rupees buys far less than it appears. The workbook discounts your maturity value back to today’s purchasing power at an inflation rate you set, so goal planning is anchored in real terms. This is the figure to compare against the actual cost of the goal you are saving for.
Useful for
Salaried investors planning retirement or a child’s education; advisers illustrating the step-up advantage to clients; and anyone who wants an auditable, offline record of a SIP plan rather than a one-off web result.
Frequently asked questions
Does it assume start-of-month or end-of-month SIP?
The engine compounds each year’s twelve monthly instalments to the year-end using a monthly rate, which closely matches a standard start-of-period SIP. For a 12% return and a flat SIP the maturity matches the conventional SIP formula to within rounding.
How is the annual step-up applied?
Each year the monthly SIP rises by your step-up percentage over the previous year’s amount. Year 1 uses your base amount; year 2 uses base × (1 + step-up), and so on. The schedule shows the exact monthly figure used in every year.
Are these returns guaranteed?
No. Mutual-fund returns are market-linked and not assured. The expected return you enter is an assumption for planning only — actual results will vary. Past performance is not indicative of future returns. This is not investment advice.