SIP (Systematic Investment Plan) lets you invest a fixed amount monthly in mutual funds.

What is a step-up SIP?

A step-up SIP increases your monthly investment by a set percentage every year, accelerating wealth creation.

Are the returns guaranteed?

No, the returns are estimated based on your expected rate of return. Actual mutual fund returns vary.

What is rupee cost averaging?

Investing a fixed amount monthly means you automatically buy more fund units when prices are low and fewer when prices are high, smoothing out the impact of market volatility over time.

What rate of return should I assume?

Long-term Indian equity mutual funds have historically averaged roughly 10-12% annually over long periods, but this varies by fund and market conditions — use a conservative estimate for planning purposes.

SIP Calculator

Calculate SIP returns with regular and step-up (top-up) SIP options to plan your mutual fund investments.

Monthly Investment (₹)

Expected Annual Return (%)

Investment Period (years)

How to Use

1
Choose SIP type
Select Regular SIP or Step-up SIP.
2
Enter investment details
Enter monthly investment, expected return, and investment period.
3
Calculate
See your estimated maturity value, total invested, and expected returns.

How It Works

A Systematic Investment Plan (SIP) invests a fixed amount every month into a mutual fund, and this calculator projects the future value using compound growth on a stream of monthly contributions rather than a single lump sum.

The regular SIP formula

FV = P × [((1+i)ⁿ − 1) / i] × (1+i), where P is the monthly investment, i is the expected monthly rate of return (annual rate ÷ 12), and n is the total number of months invested. The extra (1+i) factor accounts for each month's contribution earning a partial month of return before the period ends.

Step-up (top-up) SIP

Instead of investing the same P every month, a step-up SIP increases the monthly contribution by a fixed percentage every year (e.g. +10% annually). This mirrors real income growth and meaningfully increases the final corpus compared to a flat SIP of the same starting amount, because later, larger contributions still get years to compound.

Examples

₹10,000/month for 15 years at 12% expected return

Total invested = 10,000 × 180 months = ₹18,00,000. Projected value ≈ ₹50,29,000 — roughly 2.8× the amount actually invested, illustrating how much of the final corpus comes from compounding rather than contributions.

Same SIP with a 10% annual step-up

Starting at ₹10,000/month and increasing by 10% each year for 15 years (at the same 12% return) grows the projected corpus to roughly ₹68,00,000 — about 35% more than the flat SIP, even though the early monthly contributions are identical.

Common Use Cases

Planning long-term goals like retirement, a child's education, or a house down payment
Comparing how much more a step-up SIP builds versus a flat SIP at the same starting amount
Estimating how many years of SIP investing are needed to reach a target corpus
Understanding how sensitive the final corpus is to the assumed rate of return

Tips

SIP returns shown are projections based on an assumed rate — actual mutual fund returns fluctuate and are never guaranteed, so treat the output as a planning estimate, not a promise.
SIPs benefit from rupee cost averaging: buying more fund units when prices are low and fewer when prices are high, which smooths out the impact of market volatility compared to a single lump-sum investment.
Starting a SIP a few years earlier usually matters more than increasing the monthly amount later — the extra years of compounding are hard to make up for, even with bigger contributions.

Frequently Asked Questions

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