Calculate your mutual fund SIP returns with step-up option. See how much wealth you can create with monthly SIP investments. ETF SIP calculator included.
SIP (Systematic Investment Plan) is a method of investing a fixed amount in mutual funds at regular intervals (usually monthly). It helps you benefit from rupee cost averaging and the power of compounding. You can start with as little as ₹500/month.
SIP returns are calculated using the future value of annuity formula: FV = P × [(1+r)^n - 1] / r × (1+r), where P = monthly investment, r = monthly rate of return (annual rate / 12), n = total number of months. With step-up SIP, the investment amount increases by a percentage annually.
SIP reduces timing risk through rupee cost averaging — you buy more units when prices are low and fewer when high. Lumpsum can give higher returns if timed well. Most financial advisors recommend SIP for regular investors. For large one-time amounts, use our Lumpsum Calculator.
₹5,000/month for 10 years at 12% = ₹11.6 lakh. ₹10,000/month for 20 years at 12% = ₹99.9 lakh (almost ₹1 crore!). ₹25,000/month for 15 years at 12% = ₹1.25 crore. Start early to benefit from compounding.
₹5,000 SIP Monthly Returns Calculator ₹10,000 SIP Monthly Returns Calculator
A SIP calculator estimates the future value of regular monthly investments in mutual funds. Enter monthly amount, expected return rate, and duration to see projected wealth.
Most mutual funds allow SIP starting from ₹500/month. Some funds have a minimum of ₹100/month. ETF SIPs depend on the ETF price.
Large-cap equity funds average 10-12% CAGR, mid-cap 12-15%, small-cap 14-18% over 10+ years. Debt fund SIPs give 6-8%. Past performance doesn't guarantee future returns.
Yes! ETF SIP is available through brokers like Zerodha, Groww, and others. ETFs have lower expense ratios than mutual funds but require a demat account.
At 12% annual return: ₹10,000/month for 20 years ≈ ₹1 crore. Or ₹26,000/month for 10 years ≈ ₹1 crore. Start early — time is the biggest factor.