SIP Calculator
Calculate your Systematic Investment Plan returns, including Step-Up SIP
Investment Details
Min: ₹100•Max: ₹10,00,000
Min: 1% • Max: 30%
Min: 1 Year • Max: 30 Years
Total Invested
Your total contribution
Wealth Gain
Your profit from investment
Maturity Value
Total corpus at maturity
Investment Growth Over Time
- Total Invested
- Maturity Value
About SIP Calculator & Frequently Asked Questions
What is the SIP Calculator?
A SIP Calculator or Step UP SIP Calculator is an easy financial tool that will help you find out the future value of your investments made through mutual funds and other financial instruments. With the help of a SIP calculator, you can make fixed investments at certain intervals like monthly, quarterly, or yearly basis, which will help you benefit from the power of compounding and investment discipline. If you also have a one-time bonus or windfall to invest alongside your regular monthly installments, you can model it using our SIP + Lumpsum Calculator or pure Lumpsum Calculator.
Why Use a SIP Calculator?
- Wealth Creation through Gradual Process: SIP allows you to build your wealth by giving you the facility of investing small amounts of money in regular intervals without having to make any huge investment.
- Avoiding Market Timing Risk: SIP keeps you safe from the risk of market timing.
- Benefit of Cost Averaging: You can achieve cost averaging through SIP as you will buy more units if the price is low and lesser number of units if the price is high.
- Financial Discipline: The habit of saving and investing is important for meeting your future financial targets and regular investment inculcates that habit.
- Seamless Retirement Transition: Once you accumulate your desired wealth target, you can systematically draw a regular monthly income using our SWP Calculator or comprehensive Combined Investment Planner.
How to Use the Calculator
- Enter Monthly Investment Amount - Input the amount you plan to invest regularly.
- Set Expected Annual Return (%) - Provide an estimated annual return rate based on the investment option you have chosen.
- Choose Investment Duration - Select how many years you want to stay invested.
- Enable Step-Up SIP (Optional) - Add a yearly increase percentage or amount to simulate growing investments.
- View Results Instantly - The calculator shows your total investment, estimated returns, and maturity value.
Dual Step-Up Modes: Percentage (%) vs Fixed Amount (₹)
A distinctive feature of our calculator is having both standard SIP and Step-Up SIP on the same seamless screen, with two flexible methods to simulate annual salary hikes. While standard calculators restrict you to fixed percentage hikes, our tool gives you two natural choices. First, you can choose a Percentage (%) Step-Up to increase your monthly contribution by a set proportion, such as 10% each year as your salary rises. Second, you can choose a Fixed Rupee Amount (₹) Step-Up to increase by a round figure, such as adding ₹1,000 or ₹2,000 more every month each year. Stepping up by even a small fixed sum drastically accelerates your journey toward financial freedom.
The Formula & Example
- The base SIP formula is: M = P * ({[1 + i]^n - 1} / i) * (1 + i)
- Here, M is the maturity amount, P is the monthly investment, i is the monthly rate of return (annual rate ÷ 12 ÷ 100), and n is the total number of months.
- For example, if you invest ₹5,000 per month for 10 years at 12% without step-up, your total investment of ₹6,00,000 grows to approximately ₹11.61 Lakhs.
- If you enable Step-Up by 10% annually or add ₹1,000/month each year, your final wealth can jump by 40% to 60% due to aggressive compounding of your incremental raises. To calculate the exact monthly investment required to hit a specific monetary milestone, try our Investment Goal Calculator.
About SIP Calculator & Frequently Asked Questions
What is the SIP Calculator?
A SIP Calculator or Step UP SIP Calculator is an easy financial tool that will help you find out the future value of your investments made through mutual funds and other financial instruments. With the help of a SIP calculator, you can make fixed investments at certain intervals like monthly, quarterly, or yearly basis, which will help you benefit from the power of compounding and investment discipline. If you also have a one-time bonus or windfall to invest alongside your regular monthly installments, you can model it using our SIP + Lumpsum Calculator or pure Lumpsum Calculator.
Why Use a SIP Calculator?
- Wealth Creation through Gradual Process: SIP allows you to build your wealth by giving you the facility of investing small amounts of money in regular intervals without having to make any huge investment.
- Avoiding Market Timing Risk: SIP keeps you safe from the risk of market timing.
- Benefit of Cost Averaging: You can achieve cost averaging through SIP as you will buy more units if the price is low and lesser number of units if the price is high.
- Financial Discipline: The habit of saving and investing is important for meeting your future financial targets and regular investment inculcates that habit.
- Seamless Retirement Transition: Once you accumulate your desired wealth target, you can systematically draw a regular monthly income using our SWP Calculator or comprehensive Combined Investment Planner.
How to Use the Calculator
- Enter Monthly Investment Amount - Input the amount you plan to invest regularly.
- Set Expected Annual Return (%) - Provide an estimated annual return rate based on the investment option you have chosen.
- Choose Investment Duration - Select how many years you want to stay invested.
- Enable Step-Up SIP (Optional) - Add a yearly increase percentage or amount to simulate growing investments.
- View Results Instantly - The calculator shows your total investment, estimated returns, and maturity value.
Dual Step-Up Modes: Percentage (%) vs Fixed Amount (₹)
A distinctive feature of our calculator is having both standard SIP and Step-Up SIP on the same seamless screen, with two flexible methods to simulate annual salary hikes. While standard calculators restrict you to fixed percentage hikes, our tool gives you two natural choices. First, you can choose a Percentage (%) Step-Up to increase your monthly contribution by a set proportion, such as 10% each year as your salary rises. Second, you can choose a Fixed Rupee Amount (₹) Step-Up to increase by a round figure, such as adding ₹1,000 or ₹2,000 more every month each year. Stepping up by even a small fixed sum drastically accelerates your journey toward financial freedom.
The Formula & Example
- The base SIP formula is: M = P * ({[1 + i]^n - 1} / i) * (1 + i)
- Here, M is the maturity amount, P is the monthly investment, i is the monthly rate of return (annual rate ÷ 12 ÷ 100), and n is the total number of months.
- For example, if you invest ₹5,000 per month for 10 years at 12% without step-up, your total investment of ₹6,00,000 grows to approximately ₹11.61 Lakhs.
- If you enable Step-Up by 10% annually or add ₹1,000/month each year, your final wealth can jump by 40% to 60% due to aggressive compounding of your incremental raises. To calculate the exact monthly investment required to hit a specific monetary milestone, try our Investment Goal Calculator.