SIP Calculator
See how your monthly SIP investments grow over time with the power of compounding. Plan your mutual fund investments with step-up SIP projections.
₹5,000
₹
12%
%
10 years
years
0%
%
Increase your SIP amount yearly by this percentage
Result
₹11,61,695
Total Corpus
Total Invested₹6,00,000
Est. Returns₹5,61,695
Total Corpus₹11,61,695
Wealth Multiplier1.94x
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Frequently Asked Questions
SIP (Systematic Investment Plan) is a method of investing a fixed amount in mutual funds at regular intervals (monthly/quarterly). It averages out market volatility through rupee cost averaging and builds wealth through compounding over time.
Step-up SIP means increasing your SIP amount annually by a fixed percentage (say 10%). This aligns with salary increments and significantly boosts wealth creation. A Rs 10,000 monthly SIP with 10% annual step-up can grow 40-50% more than a flat SIP over 20 years.
Returns depend on the fund category. Historically, large-cap equity funds have delivered 10-12% CAGR, mid-cap 12-15%, and small-cap 14-18% over 10+ year periods. Debt funds typically return 6-8%. Past performance does not guarantee future returns.
SIP in ELSS (Equity Linked Savings Scheme) mutual funds qualifies for Section 80C deduction up to Rs 1.5 lakh per year under the old tax regime. ELSS has the shortest lock-in of just 3 years among 80C investments.
Most mutual funds allow SIP starting from Rs 500 per month. Some funds have a minimum of Rs 100 or Rs 1,000. There is no maximum limit for SIP investments.