SIP Calculator

How the SIP calculator works

A SIP (Systematic Investment Plan) lets you invest a fixed amount in a mutual fund every month instead of a single lump sum. Each instalment buys fund units at that month's price — so you automatically buy more when markets are low and fewer when they're high, a benefit called rupee-cost averaging. Over time your invested money compounds, and the returns themselves start earning returns.

Enter your monthly amount, an expected annual return and how long you'll invest to see your estimated maturity value, split between what you invested and the returns you earned. Add an annual step-up to model raising your SIP each year as your income grows — because the larger later contributions still get years to compound, even a small step-up can add a substantial amount to your final corpus. Returns are estimates, not guarantees; actual mutual-fund returns vary with the market.