SIP and Lumpsum Calculator with Step-Up & Inflation Adjustment (2026)

🧮 SIP + Lumpsum Calculator with Step-Up & Inflation (2026)

Planning for long-term financial growth? Use this smart investment calculator that combines the power of SIP (Systematic Investment Plan) and Lumpsum investment, with features like annual step-up and inflation-adjusted returns.

Whether you’re just starting or planning a significant one-time investment, this tool shows you the real picture — in today’s money.

🎯 Why This Calculator Is Different

Most calculators only show future value — which looks exciting, but doesn’t reflect actual purchasing power. This tool tells you:

• How much you’ll actually invest (SIP + Lumpsum)

• What that investment grows into

• What that amount will be worth in today’s terms

• Your real profit after accounting for inflation

🧠 Example: How to Use the SIP + Lumpsum Calculator (with Inflation & Step-Up)

Let’s walk through a practical example so you understand how to use the tool — and what each output really means.

✅ Example Inputs

You’re investing:

• ₹5,000 monthly, increasing it by 10% every year.

• A one-time lumpsum of ₹10 lakh at the beginning.

• You expect a 12% annual return and want to account for 5% inflation.

📊 Example Output (Simplified)

🔍 What These Results Mean

• ✅ SIP Invested: Over 20 years, with 10% step-up, you’ll invest ₹34.36 lakh via SIPs.

• ✅ Lumpsum Invested: Your ₹10 lakh is invested at the beginning and compounds for 20 years.

• ✅ Future Value: Total portfolio becomes nearly ₹1.95 Cr, thanks to compounding.

• ✅ Inflation-Adjusted Future Value: That ₹1.95 Cr will be worth ₹73.46 lakh in today’s money, accounting for inflation (5%).

• ✅ Real Profit: After adjusting both your investments and growth for inflation, you’ve gained about ₹44.61 lakh of real value.

💡 This gives you a true sense of wealth creation, not just flashy numbers.

🎯 Bottom Line

This calculator gives you not just how much you’ll have, but also:

• How much it will be worth in today’s terms.

• Whether you’re beating inflation.

• A breakdown of SIP vs Lumpsum performance.

Use this to plan your investments smarter by mixing SIP + Lumpsum with realistic expectations.

🔧 Use the SIP + Lumpsum Calculator Below

👉 Scroll down to use the tool. Just enter your SIP, Lumpsum, return %, duration, and inflation estimate — and hit “Calculate”.

It’ll break down:

• Your total investments

• Future values (SIP + Lumpsum)

• Real value in today’s money

• Inflation-adjusted returns

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📌 What is a SIP (Systematic Investment Plan)?

A SIP lets you invest a fixed amount every month into a mutual fund. It builds the habit of disciplined investing and benefits from rupee cost averaging and power of compounding. SIPs are ideal for salaried individuals or those who want to grow wealth gradually.

📌 What is a Lumpsum Investment?

Lumpsum investing means investing a large amount of money at once. It’s typically used when you have idle cash (e.g., from a bonus, inheritance, or asset sale). It can deliver better returns in long bull markets but also carries higher risk if timed poorly.

📌 What is a Step-Up SIP?

A Step-Up SIP increases your monthly SIP amount by a certain percentage every year (e.g., 10%). This matches your rising income and helps you accumulate wealth faster without starting with a very high SIP amount.

Example:

• Year 1: ₹5,000/month

• Year 2: ₹5,500/month (10% step-up)

• Year 3: ₹6,050/month
  … and so on.

📌 What is Inflation & Why Does It Matter?

Inflation is the rate at which the prices of goods and services rise over time. While your money grows through investment, inflation reduces its buying power.

So, ₹1 crore after 20 years may only feel like ₹35–40 lakhs in today’s terms. That’s why our calculator shows both:

• Future Value (nominal value)

• Real Value (adjusted for inflation)

Inflation is the rate at which prices of goods and services increase over time, reducing your money’s purchasing power. For example, if inflation is 5%, something costing ₹100 today will cost ₹105 next year.

Impact: If your investments don’t grow faster than inflation, your real wealth actually decreases, even if the nominal value of your investment increases. Adjusting for inflation ensures you understand the true value of your returns.

Many investors who invest money in a mutual fund scheme through SIP’S whether lumpsum or monthly or make any other form of investments such as in gold, real estate, stock market etc. does not count the rate of inflation.

Most first time investor miss this point, they only think, ok this will be the amount I would be getting at the end of my mutual fund scheme.

However, with time the value of money changes, what I means to say the value of Rs.100 after 25 Years would not be the same.

Due to inflation the prices or goods of any economy or country increase over a period of time. Hence you should account inflation while calculating your returns.

To account inflation in your future value investments either drop the expected rate of return on investment, for example, if you are expecting 15% return on your investment you need to subtract the inflation rate for same period.

So, let say the average inflation for last 5 years is 3.5% so instead of taking 15% expected return, you count your return on 12.5%. You can get the inflation rate from here for India.

To find the real interest rate, we take the nominal interest rate and subtract the inflation rate.

Real interest rate = nominal interest rate − inflation rate.

However the above method to calculate the inflation is the basic estimation, as inflation and returns compound the correct way or formula to calculate inflation adjusted return is given below:

Inflation-adjusted return = (1 + Return) / (1 + Inflation) – 1 

Applying the formula by using above no.

(1+15%)/(1+3.5%)-1= 11.11%, this is correct return you should expect on your investment post inflation.

Check out the below image to understand how inflation make a great impact even on your investments across different financial instruments such as Stock market (Equity), Mutual funds, FD, RD, Commodity & even real estate.

One need to understand “time value of money” as money loses its value over time, investing becomes important. Investing make sure a sustainable economic growth of a country and overall.

Therefore as an normal person or an investor you should know the (TMV) “time value of money” the value of money does not remain the same across time.

Meaning, the value of Rs.10000 today is not really Rs.10000 3 years from now. Oppositely, the value of Rs.10000 3 years from now is not really Rs.10000 as of today.

Whenever there is motion of time, there is an element of opportunity. Money has to be accounted or adjusted for that opportunity as in case inflation is that element.

Therefore it is very much important for you to make investments in mutual funds schemes.

SIP Strategy Tips

• Start Early: Time in the market beats timing the market.

• Step-Up Annually: Increase SIP as income grows.

• Don’t Stop in Market Dips: Volatility is normal; keep investing.

• Diversify Your SIPs: Across asset classes and fund types.

• Review Once a Year: Check performance, rebalance if needed.

• Use SIP Calculators: Plan goals better using tools.

• Automate Payments: So you never miss an investment.

• Choose Low-Cost Funds: Lower expense ratios = better net returns.

Why Investing Is Important: Real-Life Examples

Imagine you invest ₹5,000 monthly for 20 years with a 10% annual step-up and 12% returns.

• Without considering inflation, your investment might grow to ₹80+ lakhs.

• But inflation adjustment shows your money’s true worth in today’s terms is closer to ₹30+ lakhs.

• This means while the number looks big, your buying power might be less if inflation is ignored.

Real-life: During hyperinflation or rising cost periods, those who don’t increase their savings or investments risk losing wealth. People who invest regularly and increase contributions over time can stay ahead financially.

Case Study: SIP Growth Comparison Over 20 Years

Imagine you start with ₹5,000 per month SIP in three scenarios:

1. Normal SIP: ₹5,000/month, no increase, 12% annual return

2. Step-Up SIP: ₹5,000/month increasing by 10% yearly, 12% return

3. Step-Up SIP with Inflation: Same as above but adjusted for 5% inflation

Results after 20 years (approximate):

• Normal SIP: ₹50.6 lakhs (real value: ₹18.9 lakhs)

• Step-Up SIP: ₹1.15 crores (real value: ₹43.3 lakhs)

• Step-Up SIP with Inflation: ₹1.15 crores (but real value after inflation: ₹43.3 lakhs)

Insight:
While nominal returns are high in all cases, inflation eats away real value. Step-up SIP helps offset this and creates significantly more wealth.

Pro Tips for Step-Up SIP Investing

• Start early: Time is your biggest ally; compounding accelerates wealth growth.

• Increase step-up % according to income: Align increases with salary hikes.

• Track inflation trends: Adjust your SIP step-up rate to beat inflation.

• Review annually: Recalculate expected returns and inflation rates.

• Diversify: Combine SIP with other investments like ETFs, stocks, or real estate for balanced risk.

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SIP vs Lumpsum vs Step-Up SIP vs Inflation: Comparison Table

Frequently Asked Questions (FAQ)

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🔚 Conclusion

This calculator isn’t just a number game. It gives you real insights into your financial future by factoring in step-ups and inflation — two things most tools ignore.

Use it to:

• Plan long-term goals like retirement, education, or wealth creation

• Understand SIP vs Lumpsum power

• Visualize true financial growth

I want to quote John Maynard Keynes, he said “The importance of money flows from it being a link between the present and the future”.

John Maynard was a British economist, whose ideas fundamentally changed the theory and practice of macroeconomics and the economic policies of governments.

As an investor you should know the (TMV) “time value of money” the value of money does not remain the same across time. Meaning, the value of Rs.1000 today is not really Rs.1000, 2 years from now. Oppositely, the value of Rs.1000, 2 years from now is not really Rs.1000 as of today.

Whenever there is motion of time, there is an element of opportunity. Money has to be accounted or adjusted for that opportunity.

What is the one thing that you want when you get old? Time, so that you can correct and reverse the mistakes you did in past.

Time is equal for all of us on this planet at least? The more you invest your present time in right direction and decision, better will be your future.

Do start investing today, if you are not because the people who wait for right time, it does not come simply.

Learn How To Analyze Financial Statements Of A Company – P&L, Balance Sheet, Cash Flow

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A brief understanding of

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Note: Please do your own research and make investment. Moneycontain will not be responsible for any of your losses at all. The point made is for educational purpose only and intended to give information. All investments are subject to risks, which should be considered prior to making any investments.

⚠️ Disclaimer:

This calculator is for educational and illustrative purposes only. Actual returns may vary based on market performance, fund selection, and tax implications. Always consult a certified financial advisor before making investment decisions.