SIP Calculator
Calculate your Mutual Fund SIP returns with step-up option
Total Invested
Wealth Gained
Wealth Multiplier
Invested
Returns
How to Use the SIP Calculator
This SIP (Systematic Investment Plan) Calculator helps you estimate the returns on your mutual fund investments. Enter your monthly SIP amount, expected rate of return, and investment duration to see your potential wealth accumulation.
- Calculate regular SIP and Step-Up SIP returns
- Visual year-by-year growth chart
- Wealth multiplier showing how much your money grows
- Step-Up SIP: Increase your SIP amount annually to accelerate wealth building
- 100% client-side calculation — no data sent anywhere
What is SIP?
SIP (Systematic Investment Plan) is a method of investing a fixed amount in mutual funds at regular intervals (usually monthly). It helps build wealth through the power of compounding and rupee cost averaging. Starting a SIP early, even with a small amount, can create significant long-term wealth.
SIP Formula
FV = P × [((1 + r)^n – 1) / r] × (1 + r), where P = Monthly SIP amount, r = Monthly rate of return (annual rate / 12), n = Total number of months. For Step-Up SIP, the monthly amount increases by the step-up percentage every year.
Frequently Asked Questions
Historically, equity mutual funds in India have delivered 12-15% annual returns over 10+ year periods. Debt funds typically give 6-8%. For conservative planning, use 10-12% for equity and 6-7% for debt funds.
Step-Up SIP means increasing your monthly SIP amount by a fixed percentage every year (e.g., 10%). As your income grows, your investment grows too. This can dramatically increase your final corpus compared to a regular SIP.
Yes, SIPs offer complete flexibility. You can stop, pause, increase, decrease, or modify your SIP at any time. There’s no lock-in period for most open-ended mutual fund SIPs (except ELSS which has a 3-year lock-in).