📊 Advanced SIP Calculator
Grow Your Wealth with
Smart SIP Planning
Step-up SIP, goal planning, inflation-adjusted returns, growth chart — India’s most advanced SIP calculator. Completely free.
✓ Step-Up SIP
✓ Goal Planner
✓ Inflation Adjusted
✓ SIP vs Lump Sum
✓ Growth Chart
✓ Year-wise Table
SIP Details
Monthly Investment
₹500₹2L
Expected Annual Return
4%30%
Investment Period
1 Yr40 Yrs
Step-Up SIP
Increase SIP % every year
Annual Step-Up %
1%50%
Inflation Adjustment
Show real returns after inflation
Inflation Rate
1%15%
Quick Presets
Your SIP Returns
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Gain%
Total Invested
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Est. Returns (Gain)
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💰 Total Maturity Value
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At 12% annual return for 10 years
Invested
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Total amount put in
Est. Gain
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Monthly SIP → Year 1
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🎯
Goal-Based SIP Planner
₹
₹1 Crore
Required Monthly SIP
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Total Investment
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Wealth Gain
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XIRR / Return
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📈 Wealth Growth Over Time
Maturity Value
Invested Amount
📅 Year-by-Year Breakdown
All amounts in ₹
| Year | Monthly SIP | Invested (Yr) | Cumulative Invested | Corpus Value | Gain | Gain % |
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⚖️ SIP vs Lump Sum — Same Amount Comparison
Both invest the same total amount. SIP = monthly instalments. Lump Sum = entire amount invested today.
What is SIP & How Does It Work?
SIP (Systematic Investment Plan) lets you invest a fixed amount in mutual funds every month, regardless of market conditions. This strategy uses rupee cost averaging — you buy more units when markets are low and fewer when markets are high.
The power of SIP is compounding — your returns earn returns. ₹5,000/month at 12% for 20 years becomes ₹49.96 Lakh from just ₹12 lakh invested.
M = P × [(1+r)ⁿ − 1] / r × (1+r)
P=monthly SIP, r=monthly rate, n=months
P=monthly SIP, r=monthly rate, n=months
Why Step-Up SIP is a Game Changer
Step-up SIP increases your investment by a fixed % every year — matching salary increments. This dramatically boosts long-term wealth.
| Scenario | Corpus (20 Yrs) |
|---|---|
| Flat SIP ₹5,000/mo @ 12% | ₹49.96L |
| Step-Up 10%/yr @ 12% | ₹1.21Cr |
| Step-Up 15%/yr @ 12% | ₹1.87Cr |
10% annual step-up turns a ₹49L corpus into ₹1.21 Crore — 2.4x more wealth!
Best SIP Returns History — Indian Funds
| Fund Category | 5Y Return | 10Y Return |
|---|---|---|
| Large Cap Funds | 13–15% | 12–14% |
| Flexi Cap Funds | 14–17% | 13–16% |
| Mid Cap Funds | 18–22% | 15–19% |
| Small Cap Funds | 20–28% | 16–22% |
| ELSS Funds | 14–18% | 12–16% |
| Debt Funds | 6–8% | 7–8% |
SIP Tips for Maximum Wealth
- Start Early: ₹3,000/mo started at 25 beats ₹10,000/mo started at 35
- Increase annually: Step-up by your salary increment % every April
- Stay invested: Never stop SIP during market crashes — that’s when you buy cheap
- Diversify: Split across large + mid + small cap funds
- ELSS for tax saving: ₹1.5L/year in ELSS = ₹46,800 tax saved (30% bracket)
- Set goals: Use our Goal Planner tab to reverse-engineer your monthly SIP
- Avoid timing: SIP removes the need to time the market
Frequently Asked Questions
What is SIP? ▼
SIP (Systematic Investment Plan) is investing a fixed amount in mutual funds every month. It builds wealth through rupee cost averaging and compounding — the earlier you start, the more you benefit.
What is Step-Up SIP? ▼
Step-Up SIP increases your monthly investment by a fixed % every year. Starting ₹5,000 with 10% annual step-up means ₹5,500 in year 2, ₹6,050 in year 3, etc. This matches salary growth and massively increases long-term wealth.
What is the SIP formula? ▼
SIP Maturity = P × [(1+r)^n − 1] / r × (1+r), where P = monthly investment, r = monthly interest rate (annual ÷ 12 ÷ 100), n = number of months. Our calculator uses this exact SEBI-standard formula.
Is SIP better than Lump Sum? ▼
SIP is better for salaried investors — monthly salary → monthly SIP — it removes timing risk. Lump sum can beat SIP if you invest when markets are significantly down. Our comparison tab shows both side-by-side.
How much SIP to become a Crorepati? ▼
Use our Goal Planner tab → select “₹1 Crore Goal” → enter years → it calculates required monthly SIP. Example: ₹5,000/month at 14% for 21 years = ₹1 Crore.