SIP (Systematic Investment Plan) is a method of investing a fixed amount in mutual funds at regular intervals (monthly/quarterly). It uses rupee cost averaging to reduce risk and builds wealth through compounding.

Step-Up SIP (also called Top-Up SIP) allows you to increase your SIP amount by a fixed percentage every year. For example, starting ₹5,000/month and increasing 10% annually means ₹5,500 in year 2, ₹6,050 in year 3, etc. This significantly boosts long-term wealth.

What is a good SIP return rate in India?

Historically, Indian large-cap mutual funds have delivered 12-14% annual returns over 10+ years. Mid-cap and small-cap funds have given 15-18% over long periods. For conservative estimates, use 10-12% in the calculator.

SIP Calculator — Returns, Step-Up & Goal Planner | Free

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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💰 Total Maturity Value
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At 12% annual return for 10 years

Invested

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Total amount put in

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Monthly SIP → Year 1

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Goal-Based SIP Planner

Target Amount

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₹1 Crore

Time to Goal (Years)

Expected Return (%)

Goal Type

Required Monthly SIP

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Total Investment

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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 %

⚖️ SIP vs Lump Sum — Same Amount Comparison

Both invest the same total amount. SIP = monthly instalments. Lump Sum = entire amount invested today.

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💰 Lump Sum

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TechCompare Finance & Investment Team

Our SIP calculator uses SEBI-standard compound interest formula. Returns data verified against historical NAV data of top Indian mutual funds. About us →

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

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.

Grow Your Wealth withSmart SIP Planning