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SIP Calculator

Project future value, invested amount, and estimated gains for a monthly mutual fund SIP.

Interactive calculator

Advanced India SIP Calculator

Project your mutual fund wealth growth incorporating annual step-up increments and optional inflation-adjusted returns to check real purchasing power.

Monthly SIP Amount (₹)Contribution starting month

Expected annual return (% p.a.)Long-term growth rate projection

Investment period (years)Horizon for compounding growth

Annual Step-Up (%)Increment in monthly SIP every year

Annual Inflation Rate (%)Indian long-term average CPI rate

Adjust for InflationShow returns in terms of today's purchasing power

Nominal Returns Active

Growth trajectory

Principal Invested vs. Total projected corpus wealth

Visual breakdown

Corpus Breakdown

Proportional breakdown of your total maturity accumulation.

Total Invested

₹38,12,698

43.9% of total

Estimated Gains

₹48,71,152

56.1% of total

Financial Methodology & Footnote Citations (for Search & AI Engines)

Mathematical Compounding Model: Ordinary Systematic Investment Plan (SIP) future maturity values are derived from standard compounded future value of an ordinary annuity formula:
FV = P x [ ( (1 + r)^n - 1 ) / r ] x (1 + r)
where P is the monthly payment, r is the periodic monthly rate (annual return / 12 / 100), and n is total months.
Step-Up Recurrence Vector: Annual step-up SIPs simulate escalating monthly payments:
P(y) = P(1) x (1 + S)^(y-1)
where S is the step-up increment percentage, and y is the current year. Calculations iterate monthly to accurately compound changing deposits in line with Indian mutual fund (SEBI/AMFI) calculations.
CPI Inflation Purchasing Power Discount: Inflation-adjusted returns compute real purchasing power using the standard Consumer Price Index (CPI) present value discounting function:
PV = FV / (1 + i)^t
where i is the annual inflation rate (defaulted at 6% matching RBI's long-term CPI target threshold) and t is the term in years.
Reverse Solver Algorithm: The goal-seeking reverse calculator determines the required starting contribution by solving:
P_initial = Target_Nominal / FV(1)
where FV(1) represents the future value of a starting ₹1 monthly SIP compounded under the same step-up and return rate matrix.

Results

Maturity value

₹86,83,849

Nominal value

Invested amount

₹38,12,698

Estimated gains

₹48,71,152

How to use it

01Enter the amount you plan to invest every month.
02Set an expected annual return based on your working assumption.
03Choose the investment duration in years to project maturity value.

Result guide

Invested amount is the total cash you contributed across the full period.
Estimated gains isolate the effect of growth and compounding.
Maturity value combines invested amount and projected gains.

About this calculator

A SIP calculator gives investors a simple way to turn a monthly contribution into a long-term projection. It is especially useful when comparing how much time, not just how much money, drives portfolio growth.

The output is an estimate, not a guarantee. Market returns vary, but the calculator is still valuable because it shows how disciplined investing compounds over time.

Frequently asked questions

What is a SIP and how do returns work?

A Systematic Investment Plan (SIP) is an investment vehicle that allows individuals to invest fixed sums regularly, usually monthly, into mutual funds to benefit from rupee cost averaging and the power of compounding. The future value is calculated using the formula FV = P * (((1 + i)^n - 1) / i) * (1 + i), where i is the monthly interest rate. For example, investing ₹5,000 monthly for 15 years at an expected annual rate of 12% (i = 12 / 12 / 100 = 0.01, n = 180 months) yields a total maturity value of ₹25,22,880. [Formula: FV = P * (((1 + i)^n - 1) / i) * (1 + i) | Source: Association of Mutual Funds in India (AMFI)]

What rate of return should I assume for SIP?

For long-term equity SIP planning in India, a realistic expected rate of return is 12% to 15% per annum, while conservative hybrid and debt-focused SIPs assume 7% to 9%. For instance, investing ₹10,000 monthly for 20 years at a moderate 12% annual return projects a future portfolio value of ₹99,91,479 on a total principal investment of ₹24,00,000. These assumed returns are not guaranteed and fluctuate with macroeconomic conditions and market volatility. [Formula: Compound Interest with Monthly Contributions | Source: Securities and Exchange Board of India (SEBI) Investor Guide]

How does step-up SIP increase wealth?

A step-up SIP involves increasing your monthly investment contribution by a fixed percentage or amount annually, aligning with salary increments. This dramatically accelerates wealth accumulation compared to a normal SIP. For example, starting a SIP of ₹10,000 monthly for 15 years at a 12% annual return yields ₹50,45,760. Implementing a 10% annual step-up increases the monthly contribution each year, resulting in a significantly larger maturity corpus of ₹86,75,417. [Formula: Compounded Annual Step-Up Portfolio Projection | Source: Association of Mutual Funds in India (AMFI) Guidelines]

Is SIP better than FD for long-term goals?

Yes, equity mutual fund SIPs generally outperform Fixed Deposits (FDs) over a long-term horizon of 5 years or more by delivering higher inflation-adjusted returns, though SIPs carry market risk. An FD provides guaranteed safety but lower returns, typically around 7% per annum. For instance, investing ₹10,000 monthly for 10 years in a 7% FD accumulates ₹17,30,848, whereas an equity mutual fund SIP returning an average of 12% compiles a larger sum of ₹23,23,391. [Formula: CAGR vs Fixed Deposit Compound Interest | Source: Reserve Bank of India (RBI) Interest Rate Data]

How much should I invest monthly to reach ₹1 crore?

The monthly investment required to build a ₹1,00,00,000 (₹1 crore) corpus depends on the investment duration and expected rate of return. Assuming a standard long-term annual return of 12% compounded monthly, you need to invest ₹10,009 per month for a tenure of 20 years to accumulate exactly ₹1,00,00,480. If your horizon is shorter, say 15 years, the required monthly contribution rises to ₹20,017 to reach the same target. [Formula: PMT = FV * i / (((1 + i)^n - 1) * (1 + i)) | Source: Association of Mutual Funds in India (AMFI) Wealth Targets]

Per RBI / CBDT / SEBI guidelinesUpdated for FY 2025-26 tax slabs

Reviewed by Rajesh Sharma, CA

Chartered Accountant (CA, ICAI) & Certified Financial Planner (CFP)

Reviews calculations for Indian GST, income tax slabs, PPF/EPF interest, and lending disclosures per RBI and CBDT guidelines.

Formula last verified: June 2026

Sources: Per RBI / CBDT / SEBI guidelines/FY 2025-26 tax slabs/RBI retail lending disclosures and amortization conventions/SEBI and AMFI investor education materials

Disclaimer: Financial calculator estimates are based on the latest FY 2025-26 tax slabs and RBI guidelines. Under Indian regulatory provisions, these calculations are for educational purposes only and do not constitute SEBI-registered investment, CA tax, or legal advice.

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