SIP Calculator (Systematic Investment Plan)

Estimate mutual fund SIP maturity corpus with optional annual step-up percentage and inflation purchasing-power adjustment.

Estimated SIP Maturity Value
₹75,68,640
₹75.69 L (2.8× total capital invested)
Total Amount Invested ₹27,00,000
Estimated Wealth Gain ₹48,68,640
Inflation-Adjusted Corpus ₹31,58,129
Wealth Multiplier 2.8×
Inputs
Switch across all 12 SIP modes right here, or click any dedicated tool in the SIP Suite bar above.
₹ / mo
Starting monthly SIP installment.
% p.a.
Assumed annualized portfolio return.
years
Number of years you continue the SIP.
% / yr
Optional annual percentage increase in your monthly SIP.
% p.a.
Used to compute real purchasing power in today’s rupees.
₹ INR
Used when Goal Target, Lump Sum Hybrid, SIP→SWP, or Real Wealth mode is selected.
Results & Graph
Estimated SIP Maturity Value
₹75,68,640
₹75.69 L (2.8× total capital invested)
Total Amount Invested
₹27,00,000
₹27 L
Estimated Wealth Gain
₹48,68,640
₹48.69 L
Inflation-Adjusted Corpus
₹31,58,129
At 6% annual inflation
Wealth Multiplier
2.8×
Fixed monthly SIP

Invested Capital vs. SIP Wealth Gain

Year-by-year growth of cumulative SIP deposits and compounded returns
Graph 1 • Invested Capital vs. SIP Wealth Gain Year-by-year growth of cumulative SIP deposits and compounded returns
0 1.89M 3.78M 5.68M 7.57M Yr 1Yr 3Yr 5Yr 7Yr 9Yr 11Yr 13Yr 15
Graph 2 • Latest Period Component Values Values retain their calculator-defined labels and units.
Invested Principal (₹) 2,700,000 INR Compounded Returns (₹) 4,868,640 INR
Graph 3 • Projected Balance Under Return Assumptions Uses the entered 15-year horizon.
0 6.06M 12.1M 8.0%: 5,225,177 5.23M 8.0% 10.0%: 6,268,864 6.27M 10.0% 12.0%: 7,568,640 7.57M 12.0% 14.0%: 9,192,807 9.19M 14.0% 16.0%: 11,228,700 11.2M 16.0%
Summary: Total invested capital over 15 years is ₹27,00,000 and estimated returns are ₹48,68,640.
Summary: Investing ₹15,000/month at 12% p.a. for 15 years builds an estimated corpus of ₹75,68,640 (₹75.69 L). Out of this, ₹27,00,000 is your invested principal and ₹48,68,640 is compounded market growth.

Annual SIP Progression Table

YearMonthly SIPCumulative InvestedCumulative GainProjected Value
Year 1₹15,000₹1,80,000₹12,140₹1,92,140
Year 2₹15,000₹3,60,000₹48,648₹4,08,648
Year 3₹15,000₹5,40,000₹1,12,615₹6,52,615
Year 4₹15,000₹7,20,000₹2,07,523₹9,27,523
Year 5₹15,000₹9,00,000₹3,37,295₹12,37,295
Year 6₹15,000₹10,80,000₹5,06,355₹15,86,355
Year 7₹15,000₹12,60,000₹7,19,685₹19,79,685
Year 8₹15,000₹14,40,000₹9,82,898₹24,22,898
Year 9₹15,000₹16,20,000₹13,02,323₹29,22,323
Year 10₹15,000₹18,00,000₹16,85,086₹34,85,086
Year 11₹15,000₹19,80,000₹21,39,222₹41,19,222
Year 12₹15,000₹21,60,000₹26,73,783₹48,33,783
Year 13₹15,000₹23,40,000₹32,98,967₹56,38,967
Year 14₹15,000₹25,20,000₹40,26,269₹65,46,269
Year 15₹15,000₹27,00,000₹48,68,640₹75,68,640

Formula & Mathematical Methodology: Annuity-Due SIP Formula with Optional Annual Step-Up

FV = P × [(1 + i)n − 1i] × (1 + i)where i = r12 × 100,   n = 12 × Years
FV = P × [ ((1 + i)^n − 1) / i ] × (1 + i), where i = r / 12
  • FV: Maturity corpus at the end of n months
  • P: Monthly SIP installment
  • i: Periodic monthly rate (Annual Return ÷ 12 ÷ 100)
  • n: Total investment months (Years × 12)

Rounding: Monthly deposits compound at (annualRate / 12) at the start of each month; displayed INR figures round to nearest rupee.

Worked Example: ₹15,000/Month SIP at 12% p.a. for 15 Years (No Step-Up)

An investor contributes ₹15,000 at the start of each month for 15 years (180 months) at an assumed 12% nominal annual return (1% monthly).

  1. Total principal invested = ₹15,000 × 180 = ₹27,00,000 (₹27 Lakhs).
  2. Apply SIP formula: ₹15,000 × [((1.01)^180 − 1) ÷ 0.01] × 1.01 = ₹75,68,640.
  3. Estimated wealth gain = ₹75,68,640 − ₹27,00,000 = ₹48,68,640.
Result: A ₹27.00 Lakh total investment grows to ₹75.69 Lakhs (2.80× wealth multiple).

Frequently Asked Questions

How much difference does a 10% annual SIP step-up make?

Increasing your SIP by 10% each year as your salary grows can nearly double your 15-to-20-year maturity corpus compared to a flat SIP.

Are equity mutual fund SIP gains taxable in India?

Long-term capital gains (units held >12 months for equity funds) above the statutory annual exemption threshold are subject to LTCG tax upon redemption.

Finance & Investing • Mutual Funds & India Investing Guide

How to Use the SIP Calculator (Systematic Investment Plan): Practical Guide & Visual Analysis

Model monthly Systematic Investment Plan (SIP) returns using the standard mutual fund annuity-due convention, with support for annual step-up top-ups as your income grows. Whether you are researching mutual fund sip calculator, step up sip calculator, monthly investment calculator india, systematic investment plan, this interactive tool helps you calculate mutual fund SIP maturity value, wealth gain, annual step-up impact, and inflation-adjusted corpus in INR (₹).

Interpreting the 3 Custom Visual Graphs & Key Outputs

As you adjust SIP Calculation Mode (12-in-1 Switcher), Monthly SIP Amount, Expected Annual Return Rate, Investment Duration, the calculator immediately computes Estimated SIP Maturity Corpus (₹), Total Principal Invested (₹), Estimated Wealth Gain (₹), Inflation-Adjusted Corpus (₹) and updates all three domain-specific SVG charts in real time. Instead of relying on a single static figure, you can inspect the primary domain diagram, component breakdown, and multi-point trajectory curve to see how changing your inputs shifts the final result. Use the Compare (up to 3 scenarios) button to evaluate side-by-side variations before making a decision.

Real-World Benchmark & Planning Tips (India (AMFI / SEBI Mutual Fund Convention) & Global)

In our benchmark scenario (₹15,000/Month SIP at 12% p.a. for 15 Years (No Step-Up)), A ₹27.00 Lakh total investment grows to ₹75.69 Lakhs (2.80× wealth multiple). Keep in mind that each SIP installment is invested at the beginning of the month and compounds at r/12 per month. For related calculations in Finance & Investing, explore SWP Calculator (Systematic Withdrawal Plan), PPF Calculator (Public Provident Fund), Compound Interest Calculator, CAGR & FIRE Calculator (Financial Independence).