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SIP Calculator
stimate mutual fund returns for a monthly SIP, a one-time lumpsum, or a step-up SIP that increases your investment every year.
Understanding SIP Investing
What is a SIP?
A Systematic Investment Plan invests a fixed amount at regular intervals (usually monthly), building wealth gradually through disciplined, automated investing.
SIP vs Lumpsum
Lumpsum invests everything at once, while SIP spreads investment over time — reducing the impact of market timing through rupee-cost averaging.
Power of Compounding
Returns are reinvested and start earning their own returns, so the growth curve accelerates significantly in the later years of a long investment.
Step-Up SIP
Increasing your SIP amount every year — say, in line with a salary hike — can dramatically boost your final corpus compared to a flat SIP.
How to Use the EMI / Loan Calculator
Choose Your Investment Type
Pick Monthly SIP for recurring investments or Lumpsum for a one-time investment.
Set Amount, Rate & Duration
Use the sliders to set your investment amount, expected annual return, and time horizon in years.
Try a Step-Up SIP
Toggle step-up and set an annual increase percentage to see how a growing SIP compares to a flat one.
Check Year-wise Growth
See exactly how your invested amount and gains build up year by year, and export the table as CSV.
Frequently Asked
Questions
1. How is SIP maturity value calculated?
The calculator uses the standard SIP future value formula: 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 invested.
2. Is the expected return rate guaranteed?
No. Mutual fund and equity returns are market-linked and not guaranteed. The rate you enter is an assumption for illustration purposes based on historical averages, not a promise of future performance.
3. What is a step-up SIP and why use one?
A step-up SIP increases your monthly investment amount by a fixed percentage every year, often aligned with expected income growth. Because more money is invested earlier and compounds for longer, a step-up SIP typically builds a meaningfully larger corpus than a flat SIP of the same starting amount.
4. Which is better — SIP or lumpsum investing?
Neither is universally better — it depends on your cash flow and risk tolerance. SIP suits investors without a large upfront sum and reduces timing risk through rupee-cost averaging; lumpsum can outperform in consistently rising markets since the full amount starts compounding immediately, but carries more timing risk.
5. Is my investment data private?
Yes. All calculations happen entirely in your browser using JavaScript. Nothing you enter — investment amount, rate, or duration — is ever sent to any server.
