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SIP Calculator Online

Calculate your mutual fund SIP returns instantly. Includes Step-Up SIP, Goal-Based planning, and a year-by-year investment breakdown.

Step-Up SIP Goal Planner Year-wise Breakdown
SIP Details
Adjust sliders or type values directly
₹
₹100₹25K₹1L
%
1%12%25%50%
1 Mo600 Mo
%
0%10%25%50%
Increasing SIP by 10% yearly maximises your corpus significantly.

Enter your SIP details and click
Calculate SIP to see results

How to Use SIP Calculator

1

Enter SIP Amount

Type your monthly investment or drag the slider. From ₹100 to ₹1 Lakh/month.

2

Set Return Rate

Enter expected annual returns. Equity MFs typically deliver 10%–15% historically.

3

Add Step-Up %

Increase SIP yearly by a %. Even 10% step-up doubles your corpus over 15 years.

4

Get Full Breakdown

See total corpus, estimated returns, donut chart, and year-by-year table instantly.

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What is a SIP Calculator?

A SIP (Systematic Investment Plan) calculator estimates the future value of your regular monthly investments in mutual funds using compound interest. The formula is: FV = P × [ ((1 + r)^n - 1) / r ] × (1 + r), where P is the monthly investment, r is the monthly rate of return, and n is the total number of months.

What is Step-Up SIP?

Step-Up SIP (also called Top-Up SIP) allows you to increase your monthly investment by a fixed percentage every year. For example, starting with ₹5,000/month and stepping up by 10% annually means you invest ₹5,500 in year two, ₹6,050 in year three, and so on. Over 15 years, this can nearly double your final corpus compared to a flat SIP.

How Does Goal-Based SIP Work?

Enter your target corpus (e.g., ₹1 Crore), expected annual return, and time horizon. The calculator uses the SIP formula in reverse to determine the exact monthly investment needed to reach your goal. This is the most practical way to plan for retirement, home purchase, or your child's education.