SIP Calculator

Enter your monthly SIP details — your maturity value updates instantly as you type

Please enter valid, positive numbers for monthly investment, return and duration.
SIP vs Lumpsum: investing the same total amount (₹0) as a one-time lumpsum at the same 0% for 0 years would grow to approximately:
ApproachMaturity Value
This SIP₹0
Equivalent Lumpsum₹0

A lumpsum usually wins on paper because the full amount is invested — and compounding — from day one. SIP's real advantage is discipline and rupee-cost averaging when you don't have the full amount upfront.

YearInvested This YearTotal InvestedYear-End Value

What Is a SIP?

A Systematic Investment Plan (SIP) lets you invest a fixed amount into a mutual fund every month instead of a single lumpsum. It turns investing into a habit, removes the pressure of timing the market, and — because your money is invested at different price points over time — can smooth out the impact of market ups and downs (rupee-cost averaging).

How SIP Returns Are Calculated

This calculator projects your monthly SIP forward using compound growth at your expected annual return, compounded monthly. If you enable a step-up, your monthly investment is increased by the percentage you specify at the start of every year, and each year's contributions continue to compound for the remaining duration.

Why a Step-Up SIP Can Make a Big Difference

Increasing your SIP by even 10% a year — roughly in line with a typical salary increment — means more money is working for you in every later year, right when your earlier investments have had the most time to compound. Over a 15-20 year horizon, a step-up SIP can build a noticeably larger corpus than a flat SIP of the same starting amount, without ever feeling like a big jump in any single year.

Frequently Asked Questions

What is a SIP?
A Systematic Investment Plan invests a fixed amount into a mutual fund at regular intervals, usually monthly, instead of all at once — building a disciplined investing habit and averaging your purchase cost over time.
What is a step-up SIP?
A step-up SIP automatically increases your monthly investment by a fixed percentage every year, often in line with rising income, which can produce a meaningfully larger corpus than a flat SIP.
Is SIP better than investing a lumpsum?
Neither is universally better. A lumpsum has more total time in the market and can produce a higher end value in a rising market, while a SIP spreads out risk and suits investors without a large sum ready upfront. Many investors use both.
Are SIP returns guaranteed?
No — mutual fund SIPs invest in market-linked instruments and returns depend entirely on fund performance. This calculator's expected return is a scenario you choose, not a guarantee.