Free Tool

SIP Calculator

Calculate returns on your Systematic Investment Plan. See how regular investing can grow your wealth over time.

Investment Details

Currency

Monthly Investment (₹)

₹

₹500₹5L

Expected Annual Return (%)

1%30%

Investment Period (Years)

1 year40 years

Annual Step-up (%) - Optional

0%25%

Step-up increases your monthly SIP amount annually by this percentage.

Total Value at Maturity

₹23.23 L

Total Invested

₹12.00 L

Expected Returns

₹11.23 L

Investment Breakdown

94%

Total Returns

Invested (51.6%)

Returns (48.4%)

Year-by-Year Growth

Year 1

₹3.75 L

Year 2

₹7.08 L

Year 3

₹10.04 L

Year 4

₹12.66 L

Year 5

₹14.99 L

Year 6

₹17.05 L

Year 7

₹18.88 L

Year 8

₹20.51 L

Year 9

₹21.95 L

Year 10

₹23.23 L

Invested Amount

Returns

Detailed Year-by-Year Breakdown

Year	Yearly Investment	Total Invested	Returns	Total Value
1	₹1,20,000	₹1,20,000	₹2,55,175.71	₹3,75,175.71
2	₹1,20,000	₹2,40,000	₹4,68,125.11	₹7,08,125.11
3	₹1,20,000	₹3,60,000	₹6,43,600.79	₹10,03,600.79
4	₹1,20,000	₹4,80,000	₹7,85,820.46	₹12,65,820.46
5	₹1,20,000	₹6,00,000	₹8,98,527.1	₹14,98,527.1

SIP Formula

M = P x [(1 + r)^n - 1] / r x (1 + r)

M = Maturity Amount (Total Value)
P = Monthly Investment Amount (₹10,000)
r = Monthly Rate of Return (12% / 12 = 1.0000%)
n = Total Number of Payments (10 years x 12 = 120 months)

Related Tools

Compound Interest Calculator

Calculate compound interest with various compounding frequencies. See how your money grows over time.

Open Calculator

EMI Calculator

Calculate Equated Monthly Installments for loans. See payment breakdowns and amortization schedules.

Open Calculator

FIRE Calculator

Calculate your path to Financial Independence and Retire Early. Find your FIRE number and timeline.

Open Calculator

ROI Calculator

Calculate Return on Investment for your investments. Compare different investment options easily.

Open Calculator

Learn About SIP

What is SIP?

SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds or other investment vehicles. Instead of making a lump sum investment, you invest small amounts at regular intervals (usually monthly), which helps in averaging out the cost of investment and reduces the impact of market volatility.

The Power of Compounding

Compounding is often called the "eighth wonder of the world". In SIP, your returns earn returns, creating a snowball effect over time. The longer you stay invested, the more dramatic the compounding effect becomes.

10 Years

Returns start accelerating

20 Years

Significant wealth creation

30+ Years

Exponential growth

Benefits of SIP

1
Rupee Cost Averaging
Buy more units when prices are low, fewer when high
2
Disciplined Investing
Automatic investments build a savings habit
3
Flexibility
Start small and increase with step-up SIPs
4
Reduced Timing Risk
No need to time the market perfectly

What is Step-up SIP?

A Step-up SIP (or Top-up SIP) allows you to increase your monthly investment amount by a fixed percentage every year. This is particularly useful as your income grows over time. For example, with a 10% annual step-up, if you start with ₹10,000 monthly, next year it becomes ₹11,000, then ₹12,100, and so on. This approach helps you invest more as you earn more, significantly boosting your wealth creation potential.