SIP Calculator
See how a monthly SIP (Systematic Investment Plan) can grow over time. Add an annual step-up to model increasing your investment as your income grows.
How is SIP maturity value calculated?
With a fixed monthly amount, the future value is P × [((1 + i)n − 1) ÷ i] × (1 + i), where P is the monthly investment, i is the monthly return rate (annual rate ÷ 12 ÷ 100) and n is the number of months. Each instalment is assumed to be invested at the start of the month. With a step-up, the calculator raises the monthly amount once a year and compounds month by month.
Why start early and step up
Compounding rewards time in the market. A modest 10% annual step-up in your SIP amount can increase the final corpus dramatically over 15-20 years compared with a flat SIP.
Frequently asked questions
What return should I assume for a SIP?
Equity mutual funds have historically delivered roughly 10-14% over long periods, but returns vary and are not guaranteed. Using 10-12% is a common conservative planning assumption.
What is a step-up SIP?
A step-up SIP increases your monthly investment by a fixed percentage every year, for example 10%, so your contributions keep pace with your income.
Does this include tax?
No. Capital gains tax and exit load depend on the fund type and holding period and are not included.
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