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
Results
₹5.0K/mo × 15 years @ 12%
₹25.23 L
estimated maturity value
Total Invested
₹9.00 L
Wealth Gained
+₹16.23 L (+180%)
Wealth Multiple
2.80×
SIP Growth Over Time
Show the chart data as a table
| Period | Amount invested | Portfolio value |
|---|---|---|
| Year 1 | ₹60,000 | ₹64,047 |
| Year 2 | ₹1.20 L | ₹1.36 L |
| Year 3 | ₹1.80 L | ₹2.18 L |
| Year 4 | ₹2.40 L | ₹3.09 L |
| Year 5 | ₹3.00 L | ₹4.12 L |
| Year 6 | ₹3.60 L | ₹5.29 L |
| Year 7 | ₹4.20 L | ₹6.60 L |
| Year 8 | ₹4.80 L | ₹8.08 L |
| Year 9 | ₹5.40 L | ₹9.74 L |
| Year 10 | ₹6.00 L | ₹11.62 L |
| Year 11 | ₹6.60 L | ₹13.73 L |
| Year 12 | ₹7.20 L | ₹16.11 L |
| Year 13 | ₹7.80 L | ₹18.80 L |
| Year 14 | ₹8.40 L | ₹21.82 L |
| Year 15 | ₹9.00 L | ₹25.23 L |
How SIP Compares
SIP Returns
₹25.23 L
FD / HYSA (7%)
₹15.94 L
Savings (4%)
₹12.35 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.