SIP Calculator
A Systematic Investment Plan lets you invest a fixed amount every month in mutual funds. Harness rupee cost averaging and compounding — calculate your estimated maturity value in seconds.
Configure Your SIP
₹5.0K/mo × 15 years @ 12%
₹24.98 L
estimated maturity value
Total Invested
₹9.00 L
Wealth Gained
₹15.98 L
Return %
+177.54%
CAGR
+7.04%
SIP Growth Over Time
How SIP Compares
SIP Returns
₹24.98 L
FD / HYSA (7%)
₹15.85 L
Savings (4%)
₹12.30 L
Cash / Mattress
₹9.00 L
Frequently Asked Questions about SIP
What is a SIP (Systematic Investment Plan)?
A SIP is a method of investing a fixed amount in a mutual fund scheme at regular intervals — usually monthly. It automates investing, builds financial discipline, and leverages rupee cost averaging: you buy more units when NAV is low and fewer when it is high, reducing your average cost per unit over time.
What is Step-Up SIP?
A Step-Up SIP (also called Top-Up SIP) allows you to increase your monthly SIP amount by a fixed percentage each year — typically 10% to match salary increments. This accelerates wealth creation significantly because the increased contributions also benefit from compounding over the remaining investment horizon.
What is a realistic expected return for SIP in India?
Large-cap equity mutual funds in India have historically delivered 10–13% CAGR over long periods (10+ years). The Nifty 50 TRI has returned approximately 14–16% CAGR over the past 25 years including dividends. Debt funds typically return 6–8%. For planning purposes, 12% is a commonly used conservative estimate for equity SIPs.
How is SIP maturity value calculated?
The standard SIP formula uses the future value of an annuity due:
FV = P × [((1 + r)^n - 1) / r] × (1 + r), where P is the monthly
investment, r is the monthly rate (annual rate ÷ 12), and n is the total number
of months. Step-Up SIP uses an iterative simulation since the monthly amount
changes each year.