Calculate monthly SIP returns with step-up option. See year-by-year corpus growth with invested vs returns breakdown.
A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly — monthly, quarterly, or weekly — into mutual funds. Instead of investing a large lump sum at once, SIP allows you to invest small amounts consistently over time, making investing accessible to every salaried person in India.
SIP is the most popular way middle class Indians build long-term wealth. Whether your goal is a house down payment, children's education, retirement, or financial independence, starting an SIP is the first step.
The SIP maturity amount is calculated using the future value of an annuity formula:
M = P × {[(1 + r)^n – 1] / r} × (1 + r)
Where:
• M = Maturity amount (what you receive at the end)
• P = Monthly SIP amount (what you invest each month)
• r = Monthly interest rate (annual rate ÷ 12)
• n = Total number of months (years × 12)
Example: ₹10,000/month SIP for 20 years at 12% CAGR → Monthly rate = 1% → Maturity = ₹9,99,148 (approximately ₹1 crore)
The power of SIP comes from compounding — your returns earn returns. The longer you stay invested, the more compounding works in your favour.
1. Enter your monthly SIP amount — start with what you can comfortably invest every month
2. Set the investment period — longer periods dramatically increase returns due to compounding
3. Enter expected CAGR — use 11-12% for Nifty 50 index funds (historical 20-year average)
4. Set inflation rate — 6% is the standard India assumption
5. Click Calculate to see your maturity value, invested amount, and returns breakdown
6. Download your SIP projection report as a branded PDF
• Rupee cost averaging: You buy more units when markets are low and fewer when high, automatically lowering average cost
• Disciplined investing: Auto-debit from bank account removes the temptation to spend
• Power of compounding: Returns earn returns — ₹5,000/month for 30 years at 12% grows to ₹1.76 crore
• No market timing needed: Consistent monthly investment removes the need to predict market highs and lows
• Flexible: Start with ₹500/month, increase any time, pause if needed
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