Calculate your SIP returns, plan your investment journey, and visualize year-by-year wealth growth with step-up SIP support.
Monthly SIP Amount
₹5,000/mo
Expected Annual Return
Investment Period
Step-Up SIP
Increase SIP amount each year
Total Invested
₹6.00 L
₹6,00,000
Estimated Returns
+₹5.62 L
+93.6% on invested
Total Corpus at Maturity
₹11.62 L
₹11,61,695
Invested (51.6%)
Returns (48.4%)
Invested
Returns
| Period | Invested | Returns | Total Value | ROI |
|---|---|---|---|---|
| Yr 1 | ₹60,000 | +₹4,047 | ₹64,047 | 6.7% |
| Yr 2 | ₹1,20,000 | +₹16,216 | ₹1,36,216 | 13.5% |
| Yr 3 | ₹1,80,000 | +₹37,538 | ₹2,17,538 | 20.9% |
| Yr 4 | ₹2,40,000 | +₹69,174 | ₹3,09,174 | 28.8% |
| Yr 5 | ₹3,00,000 | +₹1,12,432 | ₹4,12,432 | 37.5% |
| Yr 6 | ₹3,60,000 | +₹1,68,785 | ₹5,28,785 | 46.9% |
| Yr 7 | ₹4,20,000 | +₹2,39,895 | ₹6,59,895 | 57.1% |
| Yr 8 | ₹4,80,000 | +₹3,27,633 | ₹8,07,633 | 68.3% |
| Yr 9 | ₹5,40,000 | +₹4,34,108 | ₹9,74,108 | 80.4% |
| Yr 10 | ₹6,00,000 | +₹5,61,695 | ₹11,61,695 | 93.6% |
A Systematic Investment Plan (SIP) is one of the most powerful and disciplined ways to invest in mutual funds. Instead of putting in a large lump sum at once, you invest a fixed amount every month and let compounding do the heavy lifting. Our SIP calculator helps you project your maturity corpus, visualise year-by-year wealth growth, and compare standard vs step-up SIP scenarios — all instantly in your browser.
SIP stands for Systematic Investment Plan. You commit to investing a fixed sum — say ₹5,000 — every month into a mutual fund. Over time your money benefits from two powerful forces: rupee cost averaging (buying more units when markets are cheap) and compound interest (returns earning returns). Even small, regular investments grow into substantial wealth over 15–30 years.
FV = P × {[(1 + r)ⁿ – 1] / r} × (1 + r)
Future Value — your maturity corpus
Monthly SIP investment amount
Monthly rate = Annual Rate ÷ 12 ÷ 100
Total number of months invested
💡 ₹5,000/month · 12% p.a. · 10 years → Corpus ≈ ₹11.6 L on ₹6 L invested — nearly 2× your money.
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A Step-Up SIP (also called Top-Up SIP) increases your monthly investment by a fixed percentage every year — typically aligned with your annual salary hike. Start at ₹5,000/month with a 10% step-up: Year 2 you invest ₹5,500, Year 3 you invest ₹6,050, and so on.
Regular SIP · 20 years
~₹49.9 L
₹5,000/mo · 12% p.a.
Step-Up SIP · 20 yrs · +10%/yr
~₹1.1 Cr
Same start · 2× more wealth
⚖️
Rupee Cost Averaging
You buy more units when the market is down and fewer when it's up — automatically lowering your average cost per unit over time.
📊
Power of Compounding
Returns are reinvested, creating exponential growth that accelerates dramatically in the later years of your investment.
🎯
Financial Discipline
Auto-debits remove emotional decision-making. You invest every month regardless of market sentiment or short-term noise.
🔓
Complete Flexibility
Start with as little as ₹100/month. Pause, increase, or stop anytime — no exit load or penalties in most open-ended funds.
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Tax Efficiency
Equity fund SIPs held over 12 months attract LTCG tax at just 10% on gains above ₹1 L/year — far lower than short-term rates.
🛡️
Reduced Market Risk
Spreading investments over time means you're never fully exposed to a single market peak — reducing overall portfolio risk.
Lump-sum investing can outperform SIP in a consistently rising market, but SIP wins in volatile markets through rupee cost averaging. For most salaried investors, SIP is the practical and lower-risk choice — it removes the difficult challenge of timing the market and lets you invest from regular monthly income.
1
Enter Monthly SIP Amount — how much you'll invest each month.
2
Set Expected Annual Return — 10–14% is typical for equity funds.
3
Choose Investment Period in Years or Months.
4
Enable Step-Up SIP to model annual increases.
5
Read the Corpus, chart, and table for the full picture.
Compounding in a SIP works differently from a fixed deposit because you invest a new amount every single month rather than once. Each monthly instalment earns returns not just on itself but also on every rupee invested before it. In the early years the effect is modest — ₹5,000 at 12% after three years grows to roughly ₹2.4 L on ₹1.8 L invested. After year ten the same SIP reaches ₹11.6 L, and by year twenty it crosses ₹49 L. The last decade contributes more growth than the entire first decade combined. This exponential curve is why financial planners stress starting early over investing more.
The right SIP amount depends on three variables: your target corpus, expected return, and time available. Use this calculator in reverse — set the period and return rate, then adjust the monthly amount until the projected corpus meets your goal. For retirement at 60, a 25-year-old needs roughly ₹8,000–₹12,000 per month at 12% to accumulate ₹1 Crore. A practical rule: invest at least 20% of take-home pay across all SIPs combined, and increase that amount by your step-up rate every April.
Running a single SIP for everything is common but suboptimal. Separating SIPs by goal — retirement, home down payment, child's education — lets you choose the right fund for each horizon. Goals ten or more years away can tolerate aggressive equity funds at 12–15%. Goals three to seven years away suit balanced or hybrid funds at 8–10%. Goals under three years should stay in debt or liquid funds at 6–7%. Each goal-based SIP can have its own step-up rate aligned to how quickly you want to reach that specific target.
A flat ₹5,000 SIP for twenty years at 12% produces approximately ₹49.9 Lakhs. Add a 10% annual step-up and the corpus jumps to roughly ₹1.1 Crore — more than double — because additional contributions compound for longer. Most salaried employees receive annual increments of 8–15%, making a 10% step-up sustainable without lifestyle sacrifice. Enable the Step-Up toggle in this calculator to model both scenarios and see the exact rupee impact of your chosen step-up rate.
Every SIP instalment is treated as a separate investment for tax purposes. The holding period for each lot is calculated individually from the date it was invested. For equity mutual funds, units held over twelve months qualify for LTCG tax at 10% on gains exceeding ₹1 Lakh per year. Units held under twelve months attract STCG at 15%. Even if you started a SIP three years ago, the last twelve months of instalments may still attract STCG when you redeem — plan partial redemptions accordingly.
The most damaging mistake is stopping during a market crash — precisely when rupee cost averaging works hardest for you. Pausing a ₹10,000 SIP for just twelve months after year seven of a twenty-year plan can reduce the final corpus by ₹8–12 Lakhs. Switching funds too frequently is the second most common error — investors who switch annually underperform those who stay in average funds for a decade. Finally, choosing a fund based on last-year returns rather than three to five-year rolling returns is a poor predictor of consistent performance.
What is a good monthly SIP amount to start with?
A popular rule of thumb is to invest at least 20% of your monthly income. Even ₹500–₹1,000/month started in your 20s can compound into significant wealth by retirement. The best amount is whichever you can sustain consistently — starting small beats not starting at all.
What annual return rate should I use for SIP projections?
For large-cap equity funds and Nifty 50 index funds, 10–14% p.a. has been the historical average over 15–20 year periods. Use 10–12% for conservative estimates and 12–15% for optimistic ones. For debt funds, 6–8% is more appropriate. Remember — these are projections, not guarantees.
Are SIP returns guaranteed?
No. SIP returns depend on the underlying mutual fund's performance and are subject to market risk. This calculator shows projections based on a fixed assumed rate — actual returns will vary. Past performance of a fund does not guarantee future results.
Can I stop a SIP anytime?
Yes — most open-ended mutual fund SIPs can be paused or stopped at any time without penalty. However, staying invested for the full planned duration maximises the compounding benefit. Stopping early, especially in the early years, significantly reduces your final corpus.
What is the ideal investment period for SIP?
Longer is almost always better. A ₹5,000 SIP at 12% for 10 years gives ~₹11.6 L, for 20 years ~₹49.9 L, and for 30 years ~₹1.76 Cr. The last 10 years generate more growth than the first 20 combined — this is the exponential nature of compounding at work.
How is step-up SIP different from regular SIP?
In a regular SIP, you invest the same fixed amount every month throughout the tenure. In a step-up SIP, the monthly amount increases by a set percentage (e.g., 10%) each year. Step-up SIP aligns your investment growth with income growth, dramatically increasing your final corpus without straining your budget today.
What is rupee cost averaging in SIP?
Rupee cost averaging means investing a fixed amount every month regardless of market conditions. When the market is down, your ₹5,000 buys more fund units. When it's up, it buys fewer. Over years, this naturally lowers your average cost per unit compared to investing a lump sum at any single point in time.