📈 SIP Calculator

SIP Calculator India — Calculate mutual fund SIP returns free. Monthly investment, expected returns, tenure. Step-up SIP supported. Compare with lump sum. Instant results.

Monthly Investment (₹)

Expected Annual Return (%)

Investment Period: 10 Years

Step-up SIP (Annual increase %) — Optional

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About SIP Calculator

Systematic Investment Plan (SIP) is the most popular way to invest in mutual funds in India. Instead of investing a lump sum, SIP allows you to invest a fixed amount every month automatically. The power of compounding over time can turn even small monthly investments into significant wealth.

Our SIP calculator uses the standard compound interest formula for periodic investments to give you accurate future value estimates. It also supports Step-up SIP where you increase your monthly investment by a percentage each year to account for salary increments and inflation — giving a much more realistic wealth estimate.

The Power of Early SIP Investment

Starting a SIP of Rs 5000 per month at age 25 versus age 35 makes a dramatic difference. At 12% annual returns over 30 years (age 25 to 55) the investment grows to about Rs 1.76 crore. Starting at age 35 for 20 years gives only Rs 49 lakh — a difference of Rs 1.27 crore from just 10 extra years of investing.

❓ Frequently Asked Questions

What is a realistic SIP return to expect?+

Historically Indian large cap mutual funds have given 10-14% annual returns over long periods. Index funds have given 12-13%. Mid and small cap funds can give 14-18% but with higher volatility. Use 10-12% for conservative planning.

What is Step-up SIP?+

Step-up SIP increases your monthly investment by a fixed percentage each year. For example if you start with Rs 5000 per month and step up by 10% annually, in year two you invest Rs 5500 per month. This accounts for annual salary increases and dramatically boosts final corpus.

What is the minimum SIP amount?+

Most mutual funds allow SIP from Rs 500 per month. Some funds like index funds and ELSS allow Rs 100 per month minimums. There is no maximum limit.

Is SIP better than fixed deposit?+

Historically SIP in equity mutual funds has given significantly higher returns than FD over long periods of 5 years or more. However SIP returns are not guaranteed and carry market risk unlike FD which has fixed guaranteed returns.

Can I stop or pause a SIP?+

Yes, you can pause a SIP for 1-3 months or stop it anytime without penalty from the mutual fund company. Some platforms charge a small fee for stopping before a minimum period.