💰 SIP Calculator

Calculate SIP returns with chart & month-by-month growth breakdown

Monthly SIP Amount (₹) Minimum SIP is ₹500 for most funds

Expected Annual Return (%) Equity funds avg: 12–15% | Debt: 6–8%

Investment Period (Years) Longer periods benefit most from compounding

Step-Up (Annual Increase %) Increase SIP amount every year (optional)

Total Wealth at Maturity

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Total Invested

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Wealth Gained

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Total Returns

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📈 Growth Chart

Amount Invested

Returns Gained

Total Value

📊 Year-by-Year Growth

Click the + button on any year to expand month-by-month details

Year	Monthly SIP	Invested (Total)	Returns	Portfolio Value

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📚 Understanding SIP Investments

What is SIP?

A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly (monthly/quarterly) in mutual funds. Instead of investing a lump sum, SIP lets you invest small amounts consistently — making wealth creation accessible from as little as ₹500/month.

Power of Compounding

The real magic of SIP is compounding — your returns earn returns. A ₹5,000/month SIP at 12% for 20 years turns ₹12 lakh invested into over ₹49 lakh — a 4x multiplication! The longer you stay invested, the more dramatic the compounding effect becomes.

Rupee Cost Averaging

SIP automatically buys more units when markets are down and fewer units when markets are up. This averaging reduces the impact of market volatility on your overall returns — a key advantage over lump sum investing during volatile markets.

Step-Up SIP — The Game Changer

A Step-Up (or Top-Up) SIP increases your monthly investment by a fixed percentage each year. Increasing your SIP by just 10% annually can nearly double your final corpus compared to a flat SIP. It aligns with salary increments — as you earn more, you invest more.

❓ Frequently Asked Questions

Q: What is a realistic SIP return to expect?

A: Historically, large-cap equity mutual funds in India have delivered 10–13% annualised returns over 10+ year periods. Mid-cap funds have delivered 12–16% but with higher volatility. Debt funds typically return 6–8%. For long-term planning, 10–12% is a conservative and realistic assumption for diversified equity funds.

Q: How much SIP needed to reach ₹1 crore?

A: At 12% annual returns — to reach ₹1 crore in 15 years: ≈₹20,000/month. In 20 years: ≈₹10,000/month. In 25 years: ≈₹5,300/month. In 30 years: ≈₹2,900/month. The longer your horizon, the smaller the monthly investment needed — start as early as possible!

Q: Is SIP safe?

A: SIP in equity mutual funds carries market risk — the value can fluctuate in the short term. However, over long periods (10+ years), equity SIPs have historically generated positive inflation-beating returns. SIP is not a guaranteed return product unlike FD or PPF. Diversify across fund categories to manage risk.

Q: Can I stop SIP anytime?

A: Yes — most SIPs can be paused or stopped anytime without penalty. The invested amount remains in the fund and continues to grow. However, stopping early significantly reduces the compounding benefit. It is better to reduce the SIP amount than to stop entirely if facing financial constraints.

⚠️ Disclaimer

This SIP calculator provides estimates for educational purposes only. Mutual fund returns are subject to market risks. Past performance does not guarantee future results. Please read all scheme-related documents carefully before investing. Consult a SEBI-registered financial advisor for personalised investment advice.