Calculate your mutual fund SIP corpus, total returns, and year-by-year growth — with Step-up SIP support
Monthly SIP Amount
₹
Expected Annual Return
12%
Investment Duration
10 yrs
Step-up SIP
Annual Step-up
Increase SIP amount each year
10%
Total Corpus at Maturity
₹0
estimated value
Invested
₹0
Est. Returns
₹0
Wealth Ratio
0x
Corpus Breakdown
0%
Returns
Amount Invested₹0
Est. Returns₹0
XIRR ≈ Expected Return Rate. Actual returns depend on fund NAV and market conditions.
Year-by-Year Growth
Year
Monthly SIP
Annual Invested
Total Invested
Corpus
📄 Your Numbers Inside the PDF Report
Estimated Corpus—
Wealth Ratio—
Est. Returns Earned—
✓ Corpus breakdown chart
✓ Full year-by-year table
✓ Power of compounding analysis
✓ Step-up SIP comparison
✓ 5 personalised action steps
✓ Share-ready PDF report
🔒 One-time ₹99 · Instant download · No subscription
⚠️ Mutual fund investments are subject to market risks. Returns shown are estimated based on constant rate assumption. Actual returns depend on fund performance and market conditions. Past returns do not guarantee future performance. Read all scheme-related documents carefully before investing.
About This SIP Calculator
This SIP calculator uses the standard SIP future value formula — M = P × [((1+r)^n − 1)/r] × (1+r) — where P is the monthly SIP amount, r is the monthly rate (annual rate ÷ 12 ÷ 100), and n is the total months. For Step-up SIP, the monthly amount increases by the step-up percentage at the start of each year, and the formula is applied segment by segment. The Wealth Ratio shows how many times your invested amount has grown into corpus. Returns shown are estimates assuming a constant rate; real mutual fund returns vary with market performance.
Frequently Asked Questions
What is SIP? +
SIP (Systematic Investment Plan) is a method of investing a fixed amount in mutual funds at regular intervals — typically monthly. It averages purchase cost over time (rupee cost averaging) and benefits from the power of compounding. SIP is ideal for salaried investors who want to build wealth gradually without timing the market.
How is SIP return calculated? +
SIP return is calculated using: M = P × [((1+r)^n − 1)/r] × (1+r), where P = monthly SIP, r = monthly rate (annual ÷ 12 ÷ 100), n = total months. For example, ₹5,000/month for 20 years at 12% p.a. grows to approximately ₹49.96 lakh corpus on ₹12 lakh invested.
What is Step-up SIP? +
Step-up SIP automatically increases your monthly investment by a fixed percentage each year. Starting with ₹5,000/month with 10% annual step-up means ₹5,000 in year 1, ₹5,500 in year 2, ₹6,050 in year 3, and so on. Step-up SIP dramatically boosts the final corpus because both the investment amount and compounding grow simultaneously.
Is SIP better than FD? +
Over long periods (10+ years), SIP in equity mutual funds has historically delivered 12–15% CAGR vs FD's 6–7.5%. However, SIP returns are market-linked and not guaranteed, while FD returns are fixed. For goals beyond 7 years, equity SIP generally wins significantly. For short-term goals or risk-averse investors, FD is safer.