SIP Returns Calculator
Calculate mutual fund SIP returns with optional yearly step-up. See how your monthly investment grows over time.
Enter values and click Calculate Returns to see results
Formula
SIP Returns Formula
FV = P × [((1+r)n − 1) / r] × (1+r)
- P — Monthly SIP amount
- r — Monthly rate of return (annual return / 12 / 100)
- n — Total number of months
Total Invested = P × n
Wealth Gained = FV − (P × n)
How to Use the SIP Calculator
Enter your monthly SIP amount, expected annual return rate, and investment period in years. Optionally, add a step-up percentage to simulate increasing your SIP amount every year. Click Calculate to see the total value, returns, and a year-by-year breakdown.
What is SIP?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds. It helps build wealth through the power of compounding and rupee cost averaging. Unlike lump-sum investing, SIP reduces the impact of market volatility by spreading your investment over time.
SIP Formula
What is Step-Up SIP?
A step-up SIP increases your monthly investment by a fixed percentage every year. As your income grows (typical increments of 8–15% in India), increasing your SIP proportionally can dramatically boost your final corpus. A ₹10,000 SIP with a 10% annual step-up for 20 years can generate 50–70% more wealth than a flat SIP.
Expected Returns by Fund Category
Past returns are not guaranteed, but historical averages for Indian mutual funds are: Large Cap 10–12%, Mid Cap 12–15%, Small Cap 14–18%, and Index Funds (Nifty 50) 11–13% over 10+ year periods. For conservative projections, use 10–12%. These figures are pre-tax.
Frequently Asked Questions
What is a good SIP return rate?
Historically, equity mutual funds in India have delivered 12–15% annualised returns over 10+ year periods. However, past performance doesn't guarantee future results.
What is step-up SIP?
Step-up SIP means increasing your SIP amount by a fixed percentage every year — typically 10%. This aligns with salary growth and significantly boosts long-term returns through compounding.
Is this calculator free, and do I need to sign up?
Yes, it is completely free with no sign-up. There are no usage limits and no paywalls.