Enter your lumpsum, monthly SIP, step-up %, and expected return to find the exact duration (in years and months) needed to achieve your financial goal.
Time to Reach Your Goal
Total Invested
Returns Earned
From Lumpsum
From SIP
This calculator simulates your portfolio month-by-month using the same compound interest formulas as real mutual fund calculations:
Note: Returns are assumed constant. Actual mutual fund returns vary year-to-year. Use this as a planning guide.
🌐 Works globally: Whether you call it a step-up SIP (India), step-up DCA / Dollar Cost Averaging (US, Canada, Australia), step-up RSP / Regular Savings Plan (UK, Singapore), or step-up AIP / Automatic Investment Plan (SE Asia) — this calculator finds how long your lumpsum + growing monthly investment takes to reach any financial goal. The math is identical worldwide.
The calculator simulates your portfolio growth month by month. It adds your monthly SIP (with annual step-up applied every 12 months) to the compounding portfolio, while also growing your lumpsum at the expected annual return. It finds the exact month when the combined value first reaches your goal amount.
Simply set the "Lumpsum / Current Portfolio Value" to 0. The calculator will then show you how long it takes to reach your goal purely through monthly SIP contributions with the step-up you've specified.
Yes! Enter your current portfolio's market value as the "Lumpsum / Current Portfolio Value" and your ongoing SIP as the "Monthly SIP Amount". The calculator will project when your existing portfolio plus ongoing SIPs will reach your target — perfect for retirement planning.
Historically, Indian equity mutual funds have returned 12–15% annually over long periods (10+ years). Debt funds typically deliver 6–8%, and balanced/hybrid funds around 9–12%. For conservative planning, use 10–12%. For aggressive equity-heavy portfolios, 13–15% is reasonable. Past performance does not guarantee future results.
A step-up SIP increases your monthly contribution by a fixed percentage every year (e.g., 10% annually). Since your income typically grows over time, this allows you to invest progressively more. Higher contributions in the middle and later years are compounded for fewer years but still add substantial value, helping you reach your goal months or even years earlier than a flat SIP.
This happens when your goal is very large relative to your monthly SIP and lumpsum, with a low expected return. Try increasing your monthly SIP, adding a lumpsum amount, raising the step-up percentage, or adjusting your goal amount downward to see achievable timelines.
The difference is in how the annual return is converted to a monthly rate. Most Indian investment apps use APR: monthly rate = annual rate ÷ 12 (e.g., 12% ÷ 12 = 1%/month). This calculator defaults to EAR: monthly rate = (1 + 12%)^(1/12) − 1 = 0.9489%/month, which is the international standard used by most US/UK investment platforms.
EAR is more precise — compounding 0.9489% for 12 months gives exactly 12% annually. APR compounding gives 12.68% annually. Use the EAR/APR toggle to switch modes and match whichever platform you are comparing against.
APR (Annual Percentage Rate): monthly rate = annual rate ÷ 12. Used by most Indian investment apps. Simple but leads to an effective annual rate slightly higher than the stated rate.
EAR (Effective Annual Rate): monthly rate = (1 + annual rate)^(1/12) − 1. The monthly rate that, when compounded 12 times, gives exactly the annual rate you entered. Used by most international investment platforms. This is the default on our calculator. Use the EAR/APR toggle above to switch.
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