Calculate the future value of your SIP investments with optional annual step-up - and find the SIP needed for any financial goal.
You buy more units when markets fall and fewer when they rise. Over time, this averages your cost and reduces timing risk significantly.
₹5,000/month at 12% for 20 years = ₹49 lakh. Invested total: ₹12 lakh. Returns: ₹37 lakh. The longer you stay, the more exponential the growth.
Increase SIP by 10% each year as income grows. This simple habit can nearly double your corpus vs a fixed SIP over 15–20 years.
SIP in ELSS mutual funds qualifies for ₹1.5L/year deduction under Sec 80C (old regime). With 3-year lock-in - lowest of any 80C instrument.
A Systematic Investment Plan (SIP) allows investors to invest a fixed amount regularly - typically monthly - into mutual funds. SIPs leverage the power of rupee cost averaging and compounding to build wealth over time. Since SEBI opened the mutual fund industry to retail investors in the 1990s, SIPs have grown dramatically: AMFI data shows SIP contributions crossed Rs. 23,000 crore per month in 2024, with over 8 crore active SIP accounts in India - a tenfold increase from 2016.
SIP returns are computed using the future value of a recurring investment formula: FV = P x [((1 + r)^n - 1) / r] x (1 + r), where P is the monthly investment, r is the monthly return rate, and n is the number of months. This calculator also supports step-up SIPs - where the monthly contribution increases by a fixed percentage each year - which are increasingly popular among salaried professionals whose income grows annually. A goal planner mode calculates the SIP amount needed to reach a target corpus.
SIPs are ideal for salaried individuals in India who receive monthly income and want to invest without timing the market. Long-term equity SIPs held for 15-20 years have historically delivered 12-15% CAGR. Tax-saving ELSS funds via SIP qualify for Section 80C deductions up to Rs. 1.5 lakh. This calculator gives a clear year-by-year breakdown of corpus growth to aid investment planning.