Type the white cells. The sheet invests the lumpsum today, raises the monthly SIP once a year, and compounds at the start of each month.
| LINE | AMOUNT |
|---|---|
| Lumpsum invested | ₹0 |
| SIP deposits | ₹0 |
| Principal (Lumpsum + SIPs) | ₹0 |
| Interest earned | ₹0 |
| Maturity value | ₹0 |
| Worth today (Inflation-adjusted) | ₹0 |
| YEAR | MONTHLY SIP | INVESTED THIS YEAR | TOTAL INVESTED | INTEREST THIS YEAR | VALUE AT YEAR END | WORTH TODAY |
|---|
Worth today takes that year's value and removes inflation from the start of the plan until that year. The last row is the maturity value.
What you type
Monthly SIP is what leaves your account each month in year 1. Annual step-up raises that amount once, at each anniversary. The lumpsum is extra money invested today and does not step up. Duration is whole years, from 1 to 40.
How the value grows
The sheet uses a monthly rate: annual return divided by 12. At the start of each month it adds that month's SIP, then applies one month of growth. The lumpsum is already in the balance before the first SIP, so it compounds for the full period.
Worth today
Maturity is a future rupee amount. Worth today divides that amount by inflation over the same years, so you can compare it with money you could spend now. It is not a third slice of the pie. The pie is only principal and interest, which together make the maturity value.
What is a step-up SIP?
A step-up SIP is a monthly investment that increases once a year. A ₹5,000 SIP with a 10% step-up stays ₹5,000 for the first 12 months, then becomes ₹5,500 a month in year 2, ₹6,050 in year 3, and so on.
When does the step-up happen?
On each anniversary of the plan, before that year's first SIP. Months 1 to 12 use the amount you typed. Months 13 to 24 use that amount grown by the step-up once. The monthly SIP inside a year does not change.
What does "worth today" mean?
It is the maturity value after stripping out the inflation you typed. If the plan ends at ₹16 lakh and inflation is 6% for 10 years, worth today is about ₹9.4 lakh. That is the buying power of the future amount in today's rupees. Change the inflation cell and this line moves. The maturity value does not, because inflation is not part of the investment return.
Does the lumpsum step up?
No. The lumpsum is invested once, on day one. Only the monthly SIP increases each year. Set the lumpsum to 0 for a plain step-up SIP, or set the monthly SIP to 0 to see the lumpsum on its own.
Are these returns guaranteed?
No. The return you type is an assumption, compounded monthly. Markets will not follow a straight line. Use the sheet to compare amounts, not as a promise of what a fund will pay.
Why can this differ from another calculator?
This sheet adds each SIP at the start of the month, then earns that month's return. Some calculators add the SIP at the end of the month, so the first deposit earns one month less. The principal here is the lumpsum plus every SIP you actually pay in, rounded to the nearest rupee each year.