Calculate how much you need to save or how much you will accumulate with your SIP investments. Plan your wealth creation journey with step-up SIP support.
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Real-time calculation
Made for
Indian investors
Increase your SIP amount every year by this percentage
Total value
₹11,61,695
at the end of 10 years
Total Investment
₹6,00,000
Expected Returns
+ ₹5,61,695
Total Value
₹11,61,695
Tip: Start early and stay invested longer to maximize the power of compounding.
Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly in mutual funds. It's the smartest way to build wealth through the power of compounding and rupee cost averaging.
Increase your SIP amount annually to:
StockIQ automatically calculates XIRR for all your SIP investments. Track multiple SIPs, compare returns, and get AI-powered investment insights!
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Value (₹) | 64,047 | 1,36,216 | 2,17,538 | 3,09,174 | 4,12,432 | 5,28,785 | 6,59,895 | 8,07,633 | 9,74,108 | 11,61,695 |
| Invested Amount (₹) | 60,000 | 1,20,000 | 1,80,000 | 2,40,000 | 3,00,000 | 3,60,000 | 4,20,000 | 4,80,000 | 5,40,000 | 6,00,000 |
| Returns (₹) | +4,047 | +16,216 | +37,538 | +69,174 | +1,12,432 | +1,68,785 | +2,39,895 | +3,27,633 | +4,34,108 | +5,61,695 |
Direct answer
Use this SIP calculator to estimate future corpus from your monthly investment, return assumption, and duration. You can also test annual step-up SIP values to see how increasing contributions affects long-term wealth creation.
What is sip calculator india?
A SIP calculator estimates the maturity value of regular mutual fund investments using compounding assumptions. It helps investors evaluate monthly contributions, expected annual return, and investment horizon before starting a plan, and is commonly used in India for goal-based planning such as retirement or education funding.
Systematic Investment Plan (SIP) has become the preferred investment method for millions of Indians. Instead of trying to time the market with lump sum investments, SIP allows you to invest a fixed amount regularly (monthly, quarterly, or annually) in mutual funds.
Both have their place in your investment portfolio.
SIP: Best for regular income earners, reduces market timing risk, builds discipline
Lump Sum: Best when you have a large amount available, potentially higher returns in bull markets
A common rule of thumb is to invest at least 20-30% of your monthly income. However, this depends on your financial goals, expenses, liabilities, emergency fund and risk appetite.
As your income grows, increasing your SIP amount annually (step-up) can significantly boost your wealth.
Example: 10% Step-up Impact
Without Step-up (0%)
₹11,61,695
With Step-up (10%)
₹15,93,201
+37.2% Higher Corpus
Estimate SIP corpus and returns with monthly contributions.
Set your planned monthly investment amount.
Enter expected annual return and investment period in years.
Use annual step-up percent if you plan to increase SIP each year.
Check total invested amount, expected returns, and final value.
The calculator applies monthly compounding to each monthly SIP installment. Earlier investments stay invested longer and contribute more to final corpus growth.
A step-up SIP increases your contribution every year. It can accelerate corpus growth if your income is expected to rise over time.
Yes. You can adjust monthly amount, expected return, and tenure to estimate the amount needed to reach a target corpus.
Compare expected SIP growth with actual portfolio returns and rebalance faster inside StockIQ.
Source: AMFI India | Last reviewed: 2026-02-28
Source: SEBI Investor Portal | Last reviewed: 2026-02-28