SIP Calculator

SIP stands for Systematic Investment Plan. It is an investment approach where an investor commits a fixed sum of money at regular periodic intervals (typically monthly) into a mutual fund scheme or investment portfolio.

SIP stands for Systematic Investment Plan, enabling disciplined, recurring investing rather than timing market swings.

On your designated investment date each period, your fixed contribution purchases mutual fund units at the prevailing Net Asset Value (NAV). When prices are low, you acquire more units; when prices are high, you acquire fewer units (Rupee Cost Averaging).

SIP future value is calculated using the future-value annuity due formula: FV = P × [((1+r)^n − 1) ÷ r] × (1+r), where P is the periodic payment, r is the periodic return rate, and n is the total number of installments.

The standard beginning-of-period formula is: FV = P × [((1+r)^n − 1) ÷ r] × (1+r). Periodic rate r = Annual Return ÷ 12 ÷ 100 for monthly investments.

Total investment is the actual out-of-pocket capital you contributed over the entire period (P × n). Estimated returns are the capital growth and compound earnings above your principal (Future Value − Total Investment).

Future value represents the projected total maturity value of your accumulated investment portfolio, combining your total principal contributions and compounded returns.

Compounding generates returns on both your initial contributions and previously accumulated gains. Over longer horizons, the returns portion often vastly exceeds the principal invested.

Because compounding is exponential, lengthening your investment timeline allows accumulated returns to accelerate wealth creation dramatically in the later years.

A higher monthly contribution increases your base capital linearly, giving compounding a larger base on which to generate returns.

Even a small 2–3% increase in annualized returns creates substantial differences in final corpus over 10 to 20 years due to exponential compounding.

A Step-Up (or Top-Up) SIP is a facility where you increase your SIP contribution periodically (usually once a year) by a fixed percentage (e.g. 10%) or fixed sum (e.g. ₹1,000) as your income grows.

If you start with ₹10,000/month and a 10% annual step-up, you invest ₹10,000/mo in Year 1, ₹11,000/mo in Year 2, and ₹12,100/mo in Year 3, accumulating significantly higher wealth.

Percentage step-up compounds your contribution each year (10% on prior year), whereas fixed step-up adds an identical rupee amount (₹1,000 every year).

Use the goal-based SIP formula by solving for periodic payment: Required SIP = Target ÷ [((1+r)^n − 1) ÷ r × (1+r)].

At a 12% expected annual return over 10 years, a monthly SIP of approximately ₹21,500 is needed to reach a ₹50 Lakh corpus.

At a 12% expected return over 15 years, a monthly SIP of approximately ₹20,000 is required to accumulate a ₹1 Crore corpus.

SIP distributes your investments periodically over time, mitigating market volatility through rupee cost averaging. Lump sum invests your entire capital at the outset, benefiting from maximum time in the market.

No. Mutual fund investments and equity markets are subject to market risks. SIP calculations are mathematical estimates based on user-assumed return rates and do not guarantee future performance.

Investors often use historical equity benchmarks of 10% to 14% for long-term equity mutual funds, or 6% to 8% for hybrid and debt funds. These are assumptions, not guarantees.

Yes. 12% is a widely used illustrative assumption for diversified Indian equity mutual funds held over long 10+ year time horizons.

Inflation-adjusted value calculates the real purchasing power of your future corpus in today's money by discounting future value: Real Value = FV ÷ (1 + Inflation)^Years.

Real return is the net annual return after factoring out inflation, accurately calculated via the Fisher equation: Real Return = [(1 + Nominal Return) ÷ (1 + Inflation)] − 1.

Nominal return is the stated annual growth rate before making any deductions for inflation, taxes, or expense ratios.

Yes. Monthly compounding allows 12 periods of growth per year, whereas quarterly or yearly frequencies compound less frequently.

Our calculator assumes contributions are made at the beginning of each period (annuity due), standard for mutual fund SIP debits at the start of each month.

Calculators assume a smooth, steady annualized return rate. Real-world financial markets fluctuate unpredictably with cycles of volatility, bull runs, and bear markets.

No. It is a mathematical planning engine that projects wealth based on user-defined inputs, ensuring 100% client-side privacy and offline functionality.

Recent calculations and favorites are saved locally in your web browser's storage only. No investment information is ever uploaded to a remote server.

Yes. The tool runs 100% locally in your browser with zero analytics tracking or server-side data collection.

Yes. All mathematical projections, charts, step-up simulations, and CSV exports work completely offline without internet connectivity.