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SIP Calculator
Calculate your mutual fund SIP returns, total maturity value, and wealth gained with an optional annual step-up.
Increase SIP by this % every year
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Total Maturity Value
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Total Invested
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Total Returns
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Wealth Gained
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Returns: —
Year-by-Year Breakdown
Frequently Asked Questions
SIP stands for Systematic Investment Plan. It is a method of investing a fixed amount regularly (usually monthly) in mutual funds. SIP helps investors build wealth over time through disciplined, periodic investments rather than a lump sum.
In a SIP, a fixed amount is automatically debited from your bank account every month and invested in your chosen mutual fund scheme. This approach uses rupee cost averaging — you buy more units when prices are low and fewer when prices are high, potentially reducing your average cost over time.
A step-up SIP (also called top-up SIP) allows you to increase your SIP amount by a fixed percentage every year. This helps match your investments with salary growth and significantly boosts your final corpus compared to a regular SIP.
SIP investments in mutual funds are market-linked and returns are not guaranteed. However, historically, long-term SIP investments in diversified equity mutual funds have delivered returns that beat inflation. SIP reduces timing risk through rupee cost averaging, but market risks remain.
Most mutual funds in India allow you to start a SIP with as little as ₹500 per month. Some funds even offer SIPs starting at ₹100. The low minimum makes SIP accessible to almost every investor.
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⚠️ Disclaimer: This SIP calculator provides estimated projections based on assumed constant returns. Actual mutual fund returns are subject to market risks and may vary significantly. Past performance is not indicative of future results. This tool is for educational and informational purposes only — it does not constitute financial advice. Please consult a SEBI-registered financial advisor before making investment decisions.