📈 Step-Up SIP Calculator
Estimate your investment growth with annual step-ups & compounding.
SIP Calculator
Grow Your Wealth Systematically
Small savings can lead to big dreams. A Systematic Investment Plan (SIP) allows you to invest small, fixed amounts in mutual funds regularly.
By entering your monthly investment, expected return, and tenure, our SIP Calculator shows you the potential future value of your money. It demonstrates the power of compounding—where your earnings generate even more earnings over time.
The Formula
How we calculate your future wealth:
FV = P × [ (1+r)n – 1 ] / r × (1+r)Power of Compounding
Invest ₹10,000 / month for 10 years at 12% annual return:
Benefits of Using This Calculator
- Plan Financial Goals: Perfect for mapping out retirement, a child’s education, or buying a dream home.
- Visualize Growth: Instantly see how much your money can grow with the discipline of regular investing.
- Easy Comparison: Adjust the tenure or amount to see how small changes impact your final corpus.
Frequently Asked Questions (FAQs)
In an SIP, you invest a fixed amount every month into a mutual fund. This instills financial discipline and allows you to benefit from “Rupee Cost Averaging,” buying more units when prices are low and fewer when prices are high.
Yes, most mutual fund houses allow you to increase (Step-up SIP) or decrease your investment amount. You can also stop and restart your SIP at any time.
No, mutual fund returns are subject to market risks. The rate used in the calculator is an assumed annual return based on historical performance of the asset class (Equity, Debt, etc.).
You can start an SIP with as little as ₹500 per month in most mutual fund schemes, making it accessible for students and young professionals.