SIP Calculator – Systematic Investment Plan Returns

📈 SIP Calculator

Calculate how your monthly SIP investments grow over time using the power of compounding. Optionally, add an annual step-up to see accelerated growth.

Investment Parameters

Annual Step-Up SIP
Increase SIP amount every year

Monthly SIP Amount ₹5,000

₹500₹5 L

₹

Enter an amount between ₹500 and ₹5,00,000.

Annual Step-Up 10%

1%50%

Enter a valid step-up between 1% and 50%.

Expected Annual Return 12%

1%30%

Enter a valid return between 1% and 30%.

Investment Period 10 Yrs

1 Yr40 Yrs

Enter a period between 1 and 40 years.

Results

Total Invested ₹6,00,000

Estimated Returns ₹5,61,695

Total Value ₹11,61,695

94%

Return %

Invested

Returns

Year-wise Portfolio Growth

Year-wise Breakdown

Year	Monthly SIP	Invested (Yr)	Total Invested	Portfolio Value	Gains

What is a SIP Calculator?

A SIP (Systematic Investment Plan) Calculator estimates the future value of regular monthly investments in mutual funds. It uses compound interest principles to show how disciplined investing, even in small amounts, can create significant wealth over time.

SIP Formula

M = P × {[(1 + r)ⁿ – 1] / r} × (1 + r)

Where M = Maturity amount, P = Monthly investment, r = Monthly return rate (annual rate ÷ 12), n = Total number of months.

What is Step-Up SIP?

A Step-Up SIP (also called Top-Up SIP) lets you increase your monthly SIP contribution by a fixed percentage every year — aligned with your salary hikes. This accelerates wealth creation significantly over long durations.

Benefits of SIP

Rupee cost averaging reduces market timing risk
Power of compounding rewards long-term investors
Start with as little as ₹500/month
Automated investing builds financial discipline
Tax benefits available under ELSS funds (Section 80C)

Disclaimer

Mutual fund investments are subject to market risk. Past returns do not guarantee future performance. Please read all scheme-related documents carefully and consult a SEBI-registered investment advisor.