Results update instantly as you move sliders. Add a Step-Up % to simulate increasing your SIP every year as your income grows.
SIP Calculator — Everything You Need to Know
What is a SIP and how does it work?+
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month automatically. It uses rupee cost averaging — buying more units when markets fall and fewer when they rise. Over 10+ years, SIP in equity funds has historically delivered 10–15% annualized returns in India.
How is SIP return calculated?+
SIP uses the future value of annuity formula: FV = P × [(1 + r)ⁿ – 1] / r × (1 + r), where P is monthly investment, r is monthly rate (annual ÷ 12), and n is total months. This calculator applies exact monthly compounding.
What is a Step-Up SIP?+
A Step-Up SIP automatically increases your monthly investment by a fixed percentage every year. Starting at ₹10,000 with 10% step-up means ₹11,000 next year, ₹12,100 the year after. This aligns with natural income growth and dramatically improves your final corpus.
What is a realistic SIP return rate?+
For large-cap equity funds, 10–12% p.a. is a realistic long-term benchmark. Mid/small-cap funds may return 13–15% with higher volatility. Debt funds return 6–8%. The default 12% represents a conservative historical average for diversified equity funds in India.
How much should I invest in SIP per month?+
Invest at least 20% of your monthly income. Use our
Target SIP Calculator to work backwards from your goal — enter your target corpus, timeline, and expected return to find the exact monthly SIP needed.