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SIP Returns Calculator

Find out how much wealth your monthly SIP can build. Adjust amount, duration, and expected return rate — see instant results with a year-by-year breakdown.

₹500Minimum SIP to Start

12–15%Avg. Equity Fund Returns

15xWealth Multiplier in 25 yrs

Your Investment Details

Move the sliders or type values below

💰 Monthly SIP Amount ₹5,000

₹500₹1,00,000

📅 Investment Period 10 Years

1 Year40 Years

📈 Expected Annual Return 12%

1%30%

🚀 Annual Step-up SIP

Increase SIP by a % each year (matches salary hikes)

Annual Increase Rate 10%

5%50%

⚡ Quick Presets

Your Wealth Estimate

🏆 Total Maturity Value ₹11,61,695 10 yrs · ₹5,000/mo · 12% p.a.

XIRR / CAGR 12.0%

💸 Amount Invested ₹6,00,000

📈 Returns Earned ₹5,61,695

🎯 Absolute Return 93.6%

51.6% Invested

Amount Invested₹6,00,000(51.6%)

Returns Earned₹5,61,695(48.4%)

Wealth Multiplier

1.9x

Year-by-Year Wealth Growth

Invested

Returns

Year-by-Year Breakdown

Detailed growth of your investment, year by year

Year	Invested (Annual)	Total Invested	Est. Returns	Total Value	Growth

SIP Calculator

Adjust sliders to see your wealth grow

💰 Monthly SIP Amount ₹5,000

₹500₹1,00,000

📅 Investment Period 10 Years

1 Year40 Years

📈 Expected Return 12%

1%30%

🚀 Annual Step-up SIP

Auto-increase SIP each year

Annual Increase Rate 10%

5%50%

⚡ Quick Presets

🏆 Total Maturity Value

₹11.62 L

10 yrs · ₹5,000/mo · 12%

12.0%Return Rate

1.9xWealth Multiplier

Invested₹6.00 L

Returns₹5.62 L

Gain %93.6%

Investment Breakdown

51.6% Invested

Invested₹6.00 L

Returns₹5.62 L

Wealth × 1.9x

Year-by-Year Growth

Invested

Returns

Understanding SIP

Why SIP is the Smartest Way to Build Wealth

A Systematic Investment Plan automates wealth creation by harnessing compounding and rupee cost averaging — two of the most powerful forces in investing.

Rupee Cost Averaging

Your fixed monthly SIP buys more units when markets fall and fewer when they rise. Over time this reduces your average cost per unit, making volatility work in your favour.

Power of Compounding

Returns earn their own returns. A ₹5,000/month SIP at 12% becomes ₹11.6L in 10 years, ₹49.9L in 20 years, and ₹1.76Cr in 25 years — compounding accelerates over time.

Financial Discipline

Auto-debit invests your money before you can spend it. SIPs remove the temptation to time the market — a strategy that even seasoned fund managers consistently fail at.

Start Small, Dream Big

Begin with ₹500/month. Use Step-up SIP to increase automatically as your income grows. Flexibility to pause, modify, or stop at any time — no penalties or lock-ins.

SIP vs Lumpsum

Which Investment Style is Right for You?

Both SIP and Lumpsum investing can build wealth — but they suit different situations. Here's how they compare.

SIP (Systematic Investment Plan)

Minimum Amount₹500/month

Market Timing Required Not Required

Risk LevelLow – Averaged Out

Suitable ForSalaried / Regular Income

Rupee Cost Averaging Yes

Ideal Horizon5 – 30 years

Flexibility Very High

Lumpsum Investment

Minimum Amount₹5,000 one-time

Market Timing Required Helps a lot

Risk LevelMedium – Depends on entry

Suitable ForBonus / Windfall / Business

Rupee Cost Averaging No

Ideal Horizon3 – 10 years

FlexibilityMedium

Getting Started

Start Your SIP in 4 Simple Steps

Invest in minutes. Our AMFI Certified expert handles everything from fund selection to paperless KYC.

Free Consultation

Call or WhatsApp us. Share your goals, income, and investment budget — we'll plan the perfect strategy.

KYC & Account Setup

Complete KYC digitally in under 15 minutes using Aadhaar-based eKYC. 100% paperless and instant.

Select Fund & SIP Date

Choose from top-rated funds recommended by our expert. Set your preferred monthly debit date.

Auto-Invest & Track

SIP runs automatically every month. Get portfolio reports, rebalancing advice, and 24/7 support.

FAQs

Frequently Asked Questions

Everything you need to know about SIP, returns, and getting started.

What is SIP and how does it work?

A Systematic Investment Plan (SIP) is a method of investing a fixed amount in a mutual fund scheme at regular intervals — usually monthly. Each instalment buys mutual fund units at the prevailing NAV (Net Asset Value). Over time, this creates a large corpus through the dual power of compounding and rupee cost averaging.

What is the minimum amount to start a SIP?

Most mutual funds allow you to start a SIP with as little as ₹500 per month. There is no upper limit. You can increase or decrease your SIP amount anytime — no penalties apply for modifications. Starting small and increasing gradually with a Step-up SIP is a very effective strategy.

Are SIP returns guaranteed?

No, SIP returns are not guaranteed as they are linked to market performance. However, historically, equity mutual funds have delivered 10–15% CAGR over long periods (10+ years). This calculator uses an assumed rate for illustration — actual returns may be higher or lower. Always invest with a long-term horizon of 5+ years.

Can I stop or pause my SIP anytime?

Yes. SIPs are completely flexible — you can pause, reduce, increase, or stop at any time without any penalty. However, we recommend not stopping during market downturns, as these periods are actually the best time to accumulate more units at lower prices. Pausing defeats the benefit of rupee cost averaging.

What is a Step-up SIP?

A Step-up SIP (also called Top-up SIP) automatically increases your monthly SIP by a fixed percentage each year. For example, starting at ₹5,000/month with a 10% step-up means you invest ₹5,500 in Year 2, ₹6,050 in Year 3, and so on. This aligns with your annual salary increments and dramatically boosts your final corpus.

What are the tax implications of SIP investments?

Each SIP instalment is treated as a separate investment for capital gains tax. For equity funds: gains held over 1 year (LTCG) are taxed at 12.5% above ₹1.25 lakh annually. Short-term gains (under 1 year) are taxed at 20%. ELSS funds offer ₹1.5 lakh tax deduction under Section 80C. Please consult a tax professional for personalised advice.

Which mutual fund is best for SIP?

The best fund depends on your goals, risk appetite, and investment horizon. For 10+ year wealth creation: large-cap or flexi-cap funds. For tax saving: ELSS funds. For moderate risk: balanced/hybrid funds. For short-term goals (3–5 yrs): debt funds. Our AMFI Certified expert can recommend the perfect fund for your specific situation — call us for a free consultation.

Ready to Start Your SIP?

Let our AMFI Certified expert help you choose the right fund, SIP amount, and strategy to reach your financial goals faster.

Book Free Consultation Call +91 9317464852