SIP Calculator

Calculate your Systematic Investment Plan returns with a beautiful year-by-year breakdown. Supports Step-Up SIP too.

📊 Investment Details

Monthly Investment ₹5,000

₹ / month

₹500₹1L

⬆ Annual Step-Up

Increase SIP by every year 10%

1%50%

Expected Annual Return 12%

% per year

1%30%

Investment Period 10 Years

⏳ years

1 yr40 yrs

🏆 Your Results

₹0

Total Value

Invested Amount

₹0

Est. Returns

₹0

Total Value

₹0

Total Invested

₹0

Est. Returns

₹0

Wealth Gained

Wealth Multiple

Absolute Returns

Year-wise Breakdown

Year	Monthly SIP	Invested (Year)	Total Invested	Est. Returns	Total Value

Why SIP?

📅

Rupee Cost Averaging

SIP automatically buys more units when prices are low and fewer when high — averaging your cost over time.

🔁

Power of Compounding

Your returns earn returns. The longer you stay invested, the more powerful compounding becomes — start early!

😌

No Market Timing

Invest a fixed amount every month regardless of market conditions — remove emotion from investing.

⬆️

Step-Up SIP

Increase your SIP amount each year as your income grows. Even a 10% annual step-up can dramatically boost returns.

FAQ

What is a SIP? ▾

A Systematic Investment Plan (SIP) is a method of investing a fixed amount in mutual funds at regular intervals (usually monthly). It helps build wealth gradually through disciplined investing.

Is this calculator accurate? ▾

This calculator uses the standard SIP future value formula assuming a constant rate of return. Actual mutual fund returns vary and are not guaranteed. Use this as an estimate, not a guarantee.

What is Step-Up SIP? ▾

Step-Up SIP (also called Top-Up SIP) allows you to increase your monthly SIP amount by a fixed percentage every year. For example, a 10% step-up on ₹5,000 SIP means you invest ₹5,500 in year 2, ₹6,050 in year 3, and so on.

What return rate should I use? ▾

Historically, large-cap mutual funds in India have given 10–12% annual returns over the long term, while mid/small-cap funds have given 13–16%. Debt funds typically give 6–8%. Use 12% as a conservative estimate for equity SIPs.