SIP Calculator
Calculate your SIP (Systematic Investment Plan) maturity value and see how monthly investments grow through compounding. Supports step-up SIP and goal-based mode.
1,000/month at 12% p.a. — the power of SIP
| Year | Total Invested | Corpus | Wealth Ratio |
|---|---|---|---|
| 5 | 60,000 | 82,486 | 1.40× |
| 10 | 120,000 | 232,339 | 1.90× |
| 15 | 180,000 | 504,576 | 2.80× |
| 20 | 240,000 | 999,148 | 4.20× |
| 25 | 300,000 | 1,897,635 | 6.30× |
| 30 | 360,000 | 3,529,914 | 9.80× |
Estimated values assume a constant annual return. Actual mutual fund returns vary and are subject to market risk. Past performance is not indicative of future results. This calculator is for illustrative purposes only.
Frequently Asked Questions
A SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly — typically monthly — into mutual funds. Instead of a lump sum, you invest a fixed amount every month, benefiting from rupee cost averaging and the power of compounding. India had over 10.9 crore active SIP accounts in 2026, with monthly inflows exceeding ₹24,000 crore.
Expected SIP returns depend on the fund category: large-cap equity funds average 10–12% CAGR over 10+ years; mid-cap funds average 12–15%; balanced/hybrid funds average 9–11%; debt funds average 6–8%. The NIFTY 50 has historically delivered approximately 12–14% CAGR over 15–20 year periods. Global equity indices (S&P 500, MSCI World) have historically averaged 8–10% annually.
A step-up (or top-up) SIP increases your monthly SIP amount by a fixed percentage each year — typically 10%. If you start with 5,000/month and apply a 10% annual step-up: Year 2 = 5,500, Year 3 = 6,050, and so on. A 10% annual step-up typically adds 30–50% more corpus over 20 years compared to a flat SIP at the same initial amount, as each year's higher contribution compounds for longer.
To accumulate 1,000,000 at 12% annual returns: approximately 3,460/month needs ~20 years; 10,500/month needs ~15 years; 43,000/month needs ~10 years. Use the Goal-based tab above to enter your target amount, expected return rate, and investment period to instantly calculate your required monthly SIP.