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Calculate your systematic investment plan returns with step-up SIP, goal tracking, and multi-currency support. No registration. Works offline.
Use SIP Calculator Free →A Systematic Investment Plan (SIP) invests a fixed amount every month into mutual funds, regardless of market conditions. This simple discipline leverages rupee cost averaging — you automatically buy more units when markets are low and fewer when they're high. Over 10+ years, this smoothing effect reduces risk significantly compared to timing the market.
The real power of SIP is behavioral, not mathematical. Lump sum investing technically wins 65% of the time in historical data. But in practice, most people who try lump sum either wait forever for the "right time" (missing years of growth) or panic-sell during corrections (locking in losses). SIP removes both these failure modes by making investment automatic and emotion-free.
Consider this: ₹10,000/month SIP in Nifty 50 from 2006 to 2026 (20 years) turned ₹24 lakh invested into approximately ₹1.1 crore at ~14% CAGR. Someone who tried to time the market — even successfully avoiding the 2008 and 2020 crashes — would need near-perfect timing to beat this. Most active traders underperform a simple SIP over long periods.
Our SIP calculator shows projected wealth for any amount and duration, compares regular vs step-up SIP (which can create 2-3x more wealth), and helps you set realistic goals with inflation-adjusted targets.
Here's exactly how a SIP compounds. Invest ₹10,000 every month for 15 years at an assumed 12% annual return:
You contributed ₹18 lakh; the market did the other ₹32 lakh. That's the compounding effect — and it accelerates in the later years. In the first 5 years your corpus grows to about ₹8.2 lakh; in the last 5 years alone it grows by over ₹26 lakh. This is why starting early beats investing more later: time in the market is the single biggest lever.
A step-up SIP raises your monthly contribution by a fixed percentage each year — usually in line with your salary hikes. On a ₹10,000 starting SIP over 20 years at 12%:
| Strategy | Total Invested | Corpus |
|---|---|---|
| Flat ₹10,000/mo | ₹24,00,000 | ₹99,91,479 |
| ₹10,000/mo + 10% step-up/yr | ₹68,73,000 | ₹1,89,00,000+ |
The step-up nearly doubles your final corpus. The trick: because the increase tracks your rising income, you never feel the pinch — each raise you'd otherwise spend gets invested instead.
SIP returns use the compound interest formula: FV = PMT × [((1 + r)^n – 1) / r] × (1 + r), where PMT is your monthly investment, r is the monthly return rate, and n is the total number of months.
A good starting point is 15-20% of your monthly income. On a $5,000 salary, $750-$1,000 monthly is solid. Increase annually with salary growth using step-up SIP.
Yes, completely free with no registration. Your data never leaves your device — all calculations happen locally in your browser. It even works offline.
Step-up SIP means increasing your monthly investment by a fixed percentage each year (typically 10-15%). This can create 2-3x more wealth compared to a fixed SIP over 20+ years.