Plan · Goal before product
SIP Goal & Step-Up SIP Calculator
Inflate a financial goal, model current capital, compare flat and annual step-up SIPs, and stress the plan under conservative, base and optimistic return assumptions.
Goal-led SIP planner
Inflate the goal before solving the SIP.
Returns are assumptions, not MFAPI forecasts. The calculator keeps today’s goal cost, current capital and future monthly contributions separate.
₹50,00,000 today at 6% inflation for 12 years.
Estimated portfolio₹1,30,87,706at 10% assumed return
Surplus₹30,26,723illustrative, before tax
Required starting step-up SIP₹17,95110% annual step-up
Required flat SIP₹28,740no annual increase
Stress the assumption
A result above the line is not a promise. Review the plan annually, raise contributions when income permits and reduce goal risk as the spending date approaches.
The Owl view
A ₹50 lakh goal today is not a ₹50 lakh goal twelve years from now. This planner first inflates the spending need, then compounds existing capital and monthly contributions under explicit scenarios.
Method, not magic
Monthly contributions compound at the annual return converted to an effective monthly rate. A step-up applies once every twelve months. The required SIP solves the same model backwards after accounting for the projected value of current investments.
- Returns and inflation are editable assumptions, not forecasts or MFAPI data.
- Tax, TER, exit load and irregular cash flows are not automatically deducted.
- A funded model can still fail if contributions stop, the goal date changes or early losses trigger a sale.
Evidence architecture
One tool. Several clocks.
A live badge applies only to the field fetched live. It never upgrades a June portfolio or factsheet statistic into an August value.
- 01MFAPI
Latest available NAV and daily historical NAV series. No authentication. Browser-cached for six hours.
- 02AMC disclosures
Scheme mandate, TER, AUM, portfolio holdings, published returns and risk statistics on their stated dates.
- 03AssetsNest calculations
Overlap, consolidation, rolling-return, drawdown, recovery and SIP arithmetic with visible assumptions.
Source desk
Open the underlying evidence.
For any transaction, verify the latest scheme document, factsheet, portfolio, NAV and tax position directly with the AMC, AMFI and applicable regulator.
MFAPI.in — API documentation for NAV and NAV historyLive NAV/history API ↗PPFAS Mutual Fund — June 2026 digital factsheetPrimary / official source ↗HDFC Mutual Fund — June 2026 factsheet deskPrimary / official source ↗HDFC Mutual Fund — monthly portfolios dated 30 June 2026Primary / official source ↗AMFI — official NAV download and historical NAV filesPrimary / official source ↗AMFI — official mutual fund data deskPrimary / official source ↗PPFAS Mutual Fund — official NAV historyPrimary / official source ↗
Questions investors ask
Clear answers, including the inconvenient parts.
What is a step-up SIP?
It increases the monthly contribution by a chosen percentage each year. The planner applies the increase at the start of each twelve-month block.
Can SIP returns be guaranteed?
No. SIP is a contribution method. Market returns, inflation, taxes, costs and investor behaviour can all differ from the assumptions.
How much SIP is required for ₹1 crore?
It depends on the time available, current savings, return assumption and whether ₹1 crore is stated in today's or future rupees. The calculator keeps those inputs separate.
Why does inflation matter?
A goal priced at ₹50 lakh today can cost much more years later. Planning against today's sticker price can create a hidden funding gap.
AssetsNest mutual fund tools are for education and research. They do not assess personal suitability and do not constitute investment, legal or tax advice, an offer, solicitation or recommendation. MFAPI is an independent third-party service; availability and data quality are not controlled by AssetsNest. Past performance does not indicate future results. Verify current data with the AMC and AMFI before acting. AssetsNest Investor Services — ARN 318691.