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Calculate SIP returns with step-up, inflation adjustment & yearly breakdown. Plan mutual fund investments with our advanced SIP calculator. Free & accurate!
Increase your investment annually to match income growth
Combine one-time investment with regular SIP
See inflation-adjusted real value of your investment
A SIP Calculator is a powerful financial tool that helps you calculate the future value of your systematic investment plan in mutual funds. It shows you how much wealth you can accumulate by investing a fixed amount regularly over a specific time period.
Systematic Investment Plan (SIP) is a disciplined investment approach where you invest a fixed amount at regular intervals (monthly, quarterly, or yearly) in mutual funds. Unlike lumpsum investments, SIP helps you benefit from rupee cost averaging and reduces the impact of market volatility.
Our advanced SIP calculator uses the compound interest formula to calculate your investment returns. It considers your regular investment amount, expected annual return rate, investment duration, and optional features like step-up percentage and inflation adjustment to give you accurate projections of your wealth accumulation journey.
Choose Monthly, Quarterly, or Yearly investments based on your income pattern
Increase investment annually (0-20%) to match salary growth and boost wealth creation
Combine one-time investment with regular SIP for enhanced returns
See real returns after inflation to understand actual purchasing power
Detailed table showing invested amount, returns, and total value for each year
Interactive charts showing investment vs returns composition
Increase your SIP amount annually by 5-20% to match salary increments. This significantly boosts long-term wealth creation.
Add a one-time investment at the start (bonus, windfall) along with regular SIP for enhanced returns.
Set expected inflation (typically 6-7%) to see the real value of your investment in today's purchasing power.
FV = P × [(1 + r)^n - 1] / r × (1 + r)
For step-up SIP, the investment amount increases annually by the step-up percentage. Our calculator computes this period-by-period for accurate results, considering the compounding effect on both the growing investment amount and accumulated returns.
Real Value = Nominal Value / (1 + inflation)^years
This formula adjusts your future value for inflation, showing what your investment will actually be worth in today's purchasing power. Essential for realistic retirement and long-term planning.
SIP helps you buy more units when markets are low and fewer when high, averaging out your purchase cost over time. This reduces the impact of market volatility and eliminates the need for market timing.
Your returns generate their own returns over time. The longer you stay invested, the more powerful compounding becomes. Even small monthly investments can grow into substantial wealth over 15-20 years.
SIP automates your investments, ensuring you invest regularly regardless of market conditions. This removes emotional decision-making and builds a strong investment habit over time.
Start with as little as $500, increase or decrease amounts, pause or stop anytime, and choose from thousands of mutual fund schemes. SIP adapts to your changing financial situation.
Invest in diversified equity funds for 15-20+ years with 10-15% step-up. Target: Building substantial wealth for financial independence. Recommended for investors in their 20s-30s.
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Calculate required monthly SIP for specific goals (house down payment, car, vacation). Use our calculator to work backwards from your target amount and timeline.
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Start early with equity-heavy portfolio, gradually shift to debt as you near retirement. Use step-up SIP and inflation adjustment for realistic retirement corpus calculation.
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Start SIP when child is born, invest for 15-18 years. Combine lumpsum (gifts, bonuses) with regular SIP. Factor in education inflation (8-10%) for realistic planning.
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Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly (monthly, quarterly, or yearly) in mutual funds. It works by automatically debiting the specified amount from your bank account and investing it in your chosen mutual fund scheme. SIP helps in rupee cost averaging and disciplined investing, making it ideal for salaried individuals and long-term wealth creation.
Step-up SIP allows you to increase your investment amount annually by a fixed percentage (typically 5-20%). For example, if you start with $5,000 monthly SIP with 10% step-up, it becomes $5,500 in year 2, $6,050 in year 3, and so on. This helps match your investment growth with salary increments and significantly boosts long-term wealth accumulation.
Expected returns depend on the type of mutual fund: Equity funds: 10-15% annually (long-term), Debt funds: 6-8% annually, Hybrid funds: 8-12% annually. Past performance doesn't guarantee future returns. Choose based on your risk appetite and investment goals. Our calculator lets you adjust the return rate to see different scenarios.
Most mutual funds allow SIP starting from $500 per month. However, some funds may have higher minimums ($1,000 or $5,000). There's no maximum limit - you can invest as much as you want based on your financial capacity. Starting small and increasing gradually with step-up is a smart strategy.
Yes! Our calculator supports adding an initial lumpsum investment along with regular SIP. This strategy is ideal when you have a bonus or windfall amount to invest immediately, while continuing regular monthly investments. It can significantly enhance overall returns by giving your lumpsum more time to compound.
Inflation reduces the purchasing power of money over time. Inflation adjustment shows the real value of your investment in today's terms, helping you plan more realistically. For example, if your SIP grows to $1 million in 20 years with 6% annual inflation, that amount will have the purchasing power equivalent to approximately $310,000 in today's money. This helps you set more accurate financial goals.
Longer duration is better for maximizing compounding benefits: Minimum: 5 years (for short-term goals), Recommended: 10-15 years (for wealth creation), Ideal: 20+ years (for retirement planning). Longer investment periods help ride out market volatility and generate better returns through the power of compounding.
No! Market downturns are actually opportunities to buy more mutual fund units at lower prices. Continuing SIP during market falls helps in rupee cost averaging - you accumulate more units when prices are low, which boosts returns when markets recover. Historical data shows that investors who stayed invested through downturns earned significantly better returns.
Yes, most mutual funds allow you to increase or decrease your SIP amount. You can either modify the existing SIP or start an additional SIP in the same fund. However, you cannot reduce below the fund's minimum SIP amount. Many investors use the step-up feature to automatically increase their SIP annually.
SIP: Regular fixed investments (monthly/quarterly), reduces timing risk, suitable for salaried individuals, benefits from rupee cost averaging. Lumpsum: One-time large investment, higher returns in bull markets, requires market timing, suitable for large windfall amounts. SIP is generally recommended for most investors due to disciplined investing and lower risk.
SIP taxation depends on the fund type and holding period. Equity funds: LTCG (>1 year) - typically 15-20% on gains; STCG - as per tax slab. Debt funds: LTCG (>3 years) - as per tax slab; STCG - as per tax slab. Each SIP installment is treated as a separate investment for tax calculation. Consult a tax advisor for personalized guidance.
Absolutely! SIP is one of the best tools for retirement planning. Start early (20s-30s), invest consistently for 25-30 years, use step-up SIP to increase with salary growth, and you can build a substantial retirement corpus through the power of compounding. Use our Retirement Calculator alongside this SIP calculator for comprehensive planning.
Disclaimer: This SIP calculator provides estimates based on assumed rates of return. Actual returns may vary based on market conditions and fund performance. Past performance doesn't guarantee future results. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Consult a certified financial advisor for personalized investment advice.
This SIP calculator is developed and maintained by CalcFinex, a trusted platform for financial calculators. Our tools are designed by financial professionals with expertise in investment planning, mutual funds, and wealth management.
Accuracy & Methodology: Our calculations follow standard financial formulas used by the mutual fund industry. The calculator uses compound interest principles and considers all variables including step-up percentages, inflation adjustments, and multiple investment frequencies.
Regular Updates: We continuously update our calculator to ensure accuracy and add new features based on user feedback and industry best practices. Last updated: December 20, 2025.
Educational Purpose: This tool is designed for educational and planning purposes. While we strive for accuracy, we recommend consulting with a SEBI-registered investment advisor for personalized financial advice.