Use this free SIP calculator to estimate how much your monthly investments can grow in India. Check year-wise growth, compare SIP versus lump sum, and understand the impact of step-up SIP.
Dynamic input with live returns for Indian investors.
Enable step-up SIP to increase your monthly investment every year by a fixed percentage.
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See how your monthly SIP stacks up against a one-time investment.
Total invested over time
₹0Invested amount: ₹0
Estimated returns: ₹0
One-time investment at the same rate
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Returns: ₹0
Common SIP questions answered clearly for investors in India.
A SIP is a systematic investment plan where you invest a fixed amount every month into mutual funds. It helps you stay disciplined and build wealth gradually through rupee cost averaging.
The SIP return is computed based on the future value of monthly contributions compounded at the expected annual rate. This calculator uses standard financial formulas to show you projected returns and the total value at the end of the period.
SIP can deliver higher returns than fixed deposits over the long term but comes with market risk. FDs offer fixed interest, while SIPs benefit from equity market growth and compounding over the investment horizon.
Step-up SIP increases your monthly contribution each year by a fixed percentage. It helps you invest more as your income grows, boosting future returns and building a larger corpus.
Start with an amount that fits your monthly budget and saves consistently. Many investors in India begin with ₹5,000 and gradually increase contributions as their financial situation improves.