SIP Calculator
Estimate how your monthly SIP investment grows over time and calculate your mutual fund returns using our free and accurate SIP Calculator.
Annual Step-Up (%) increases your SIP amount every year. Example: ₹5,000 SIP with 10% step-up becomes ₹5,500 in year 2, ₹6,050 in year 3 — helping your investments grow faster as income rises.
Maturity Value
₹ 16,70,459
Total Invested
₹ 9,56,245
Wealth Gained
₹ 7,14,213
SIP Insights
- Best suited for long-term wealth creation
- Step-up SIP helps beat inflation
- Short-term returns may fluctuate
- Longer duration may significantly improves outcomes
SIP Growth Over Time
Year-wise SIP Breakdown
| Year | Deposited | Interest | Balance |
|---|---|---|---|
| 1 | ₹ 60,000 | ₹ 3,413 | ₹ 63,413 |
| 2 | ₹ 1,26,000 | ₹ 15,209 | ₹ 1,41,209 |
| 3 | ₹ 1,98,600 | ₹ 37,247 | ₹ 2,35,847 |
| 4 | ₹ 2,78,460 | ₹ 71,700 | ₹ 3,50,160 |
| 5 | ₹ 3,66,306 | ₹ 1,21,105 | ₹ 4,87,411 |
| 6 | ₹ 4,62,937 | ₹ 1,88,417 | ₹ 6,51,354 |
| 7 | ₹ 5,69,230 | ₹ 2,77,070 | ₹ 8,46,301 |
| 8 | ₹ 6,86,153 | ₹ 3,91,052 | ₹ 10,77,206 |
| 9 | ₹ 8,14,769 | ₹ 5,34,984 | ₹ 13,49,753 |
| 10 | ₹ 9,56,245 | ₹ 7,14,213 | ₹ 16,70,459 |
A Systematic Investment Plan (SIP) is one of the most popular ways to invest in mutual funds. SIP allows you to invest a fixed amount every month, helping you build wealth through discipline and the power of compounding.
This SIP Calculator helps you estimate your total investment, expected returns, and final corpus based on your monthly SIP amount, expected annual return, and investment duration.
What is Annual Step-Up SIP?Step-Up SIP increases your SIP amount every year by a fixed percentage. As your income grows, increasing your investment helps you beat inflation and significantly improves long-term wealth creation.
SIP returns are market-linked and may fluctuate in the short term. However, staying invested for a longer duration historically improves outcomes and reduces volatility.