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SIP CALCULATOR
Free Online SIP Calculator with Year-Wise Growth Projection
Live Calculator
Calculate your SIP maturity amount, total investment, estimated returns, and wealth gained instantly. View year-wise growth and plan your financial goals with confidence.
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SIP Parameters
Monthly SIP Amount (₹)
₹5,000
₹
ℹ️ Start as low as ₹100/month - increase with Step-Up SIP over time
Expected Return Rate (% p.a.)
12% p.a.
%
ℹ️ Nifty 50 historical average CAGR: ~12–14% p.a.
Investment Duration (Years)
10 Years
Y
ℹ️ Longer tenures unleash the full power of compounding
Annual Step-Up (%)
0% (No Step-Up)
%
ℹ️ Increase SIP by this % every year to match salary growth
Portfolio Split
0%
Returns
Invested
Returns
SIP Maturity Summary
Total Amount Invested
₹0
Estimated Returns
₹0
Absolute Return
0%
XIRR (Approx.)
0%
Maturity Value
₹0
💹 Enter values to see your wealth projection
Year-wise Wealth Growth Visualization
Amount Invested
Estimated Returns
Year-wise SIP Growth Projection
| Year | Annual SIP | Total Invested | Est. Returns | Total Value |
|---|
📚 SIP Knowledge Hub
Master Systematic Investment Plans - India's most powerful wealth-building tool!
💹 What is a SIP (Systematic Investment Plan)?
A SIP lets you invest a fixed amount in mutual funds every month - automatically. Instead of timing the market, you invest regularly and benefit from Rupee Cost Averaging and the magic of Compounding. Even ₹500/month started at age 25 can grow to ₹1 Crore+ by retirement. The secret? Time in the market, not timing the market! 🚀
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Minimum Amount
₹100 / month
Most mutual funds accept SIPs starting from just ₹100 or ₹500 per month. No minimum income required - anyone can start!
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Rupee Cost Averaging
Auto-averaging
You buy more units when markets fall and fewer when markets rise. This automatically lowers your average cost per unit over time.
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Compounding Power
8th Wonder
Einstein called compounding the 8th wonder of the world. Your returns earn returns - and this snowball effect explodes in later years.
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Step-Up SIP
Increase yearly
Increase your SIP by 10–15% every year as your income grows. A 10% step-up can nearly double your final corpus versus a flat SIP.
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Tax on SIP
LTCG @ 12.5%
Equity fund SIP held 1+ year: gains above ₹1.25L taxed at 12.5% LTCG. ELSS SIPs offer 80C deduction up to ₹1.5L per year.
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Liquidity
Flexible exit
Unlike PPF or FD, most equity SIPs can be redeemed anytime (except ELSS - 3 yr lock-in). Pause or stop SIP anytime without penalty.
8th
Wonder
Wonder
Compounding
✨ The Magic of Compounding in SIP
₹5,000/month at 12% for 10 years = ₹11.6 lakh invested → ₹23.2 lakh (2x). But the same SIP for 30 years = ₹18 lakh invested → ₹1.76 Crore (9.7x)! The last 10 years generate more wealth than the first 20 combined. That is compounding at work - time is your most valuable asset.
✅ Start early - every year counts
✅ Stay invested - don't pause during dips
✅ Step up annually - multiply the effect
💡 Smart SIP Tips
🚀
Start as early as possible - A 25-year-old investing ₹5,000/month at 12% for 35 years accumulates ₹3.2 Crore. A 35-year-old investing the same gets just ₹1 Crore. 10 years costs ₹2.2 Crore.
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Don't stop SIP in market crashes - Crashes are the best time for SIP. You buy more units at lower prices, dramatically reducing your average cost and boosting future returns.
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Use Step-Up SIP every year - Even a 10% annual increase in SIP amount can double your final corpus compared to a flat SIP, with only a marginal increase in monthly commitment.
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Link each SIP to a goal - One SIP for retirement, one for child's education, one for home down payment. Goal-based investing improves discipline and reduces mid-way withdrawals.
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Use ELSS for tax + wealth - ELSS mutual funds offer Section 80C deduction up to ₹1.5L/year with only a 3-year lock-in - the shortest among all 80C instruments.
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Review, don't react - Review your SIP portfolio once a year, not every month. Short-term NAV fluctuations are noise. React only to fundamental changes in the fund or your goals.