Calculate SIP returns with step-up option, wealth growth chart, and lump sum comparison. Free mutual fund SIP calculator for India.
What is SIP Calculator?
Plan your mutual fund investments with our advanced SIP (Systematic Investment Plan) calculator. Supports regular SIP and step-up SIP with annual increase. See your wealth grow with an interactive area chart, year-by-year breakdown table, lump sum vs SIP comparison, inflation-adjusted returns, and milestone tracking (₹10L, ₹1Cr). All amounts in Indian rupees with lakhs/crores formatting.
How to Use
Choose Regular SIP or Step-Up SIP mode
Set your monthly investment amount using the slider
Adjust expected return rate and time period
View wealth growth chart, milestones, and year-by-year breakdown
Compare SIP vs lump sum and see inflation-adjusted returns
Frequently Asked Questions
What is a SIP?
A Systematic Investment Plan (SIP) lets you invest a fixed amount in mutual funds every month, benefiting from rupee cost averaging and the power of compounding.
What is Step-Up SIP?
Step-Up SIP increases your monthly investment by a fixed percentage every year (e.g., 10%). This aligns with salary growth and dramatically increases your corpus.
What return rate should I use?
Equity mutual funds have historically returned 12-15% p.a. in India. Use 12% for conservative estimates and 15% for optimistic projections.
How is SIP different from lump sum?
SIP invests small amounts regularly (rupee cost averaging), while lump sum invests everything at once. SIP reduces market timing risk.
Does this account for taxes?
No. Equity LTCG above ₹1.25L is taxed at 12.5%. Debt fund gains are taxed at your income tax slab rate. Factor this into your planning.
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