SIP Calculator India 2026 — Forward & Step-Up

SIP kya hai aur ise kyun use karein?

A Systematic Investment Plan (SIP) is a way of investing a fixed amount of money in a mutual fund every month. Instead of timing the market, you buy more units when prices are low and fewer when they are high — a concept called rupee-cost averaging. Over 10+ years this has historically delivered 12–14% CAGR in Indian equity funds.

SIP calculator kaise kaam karta hai?

Our calculator uses the industry-standard SIP future-value formula:

FV = P × [((1 + r)^n - 1) / r] × (1 + r)

where P is monthly SIP, r = annual return / 12, and n = months. The step-up version increases the SIP by your chosen percentage every year.

SIP ke fayde

Rupee-cost averaging smooths out market volatility.
Discipline — auto-debit removes emotion from investing.
Power of compounding — ₹10K SIP for 25 years at 12% = ₹1.9 crore!
Flexibility — start, pause, increase or stop any time.
Tax-efficient — LTCG on equity beyond ₹1.25L is only 12.5%.

SIP se crorepati kaise bane

At a 12% long-term return, these monthly SIPs build ₹1 crore:

Monthly SIP	Years Needed	Step-Up SIP (10%/yr)
₹5,000	~25 yrs	~20 yrs
₹10,000	~20 yrs	~16 yrs
₹15,000	~17 yrs	~14 yrs
₹25,000	~14 yrs	~11 yrs

See how much you'd accumulate using the calculator above, and read our full guide to becoming a crorepati with SIP.

Related Resources

Aksar Poochhe Jaane Waale Sawaal

SIP mein monthly kitna invest karna chahiye?

A good starting rule is 15–20% of your take-home salary, stepped up 10% every year. For ₹50K salary, start at ₹7,500 and scale up.

Kya SIP se crorepati ban sakte hain?

Yes. ₹10,000 monthly SIP at 12% return for 20 years = ~₹1 crore. Add a 10% annual step-up and it grows to ~₹1.7 crore.

Kya SIP safe hai?

SIP is a method, not a product. You invest in mutual funds, which carry market risk. Equity SIPs are ideal for 7+ year horizons.

Step-Up SIP kya hai?

Step-Up SIP automatically increases your monthly SIP amount by a percentage (e.g. 10%) every year — matching your salary growth. Results in significantly larger corpus.

Kya SIP kabhi bhi band kar sakte hain?

Yes, you can pause or stop SIPs anytime without penalty. Your existing units stay invested and keep growing.

India mein beginners ke liye best SIP plan kaunsa hai?

A combination of a Nifty 50 index fund SIP + a flexi-cap fund SIP works for most beginners. See our best SIP plans guide.

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Important Disclaimer: All content, calculators, government scheme details, tax slabs and investment information on this website are provided strictly for educational and informational purposes only. None of the information here constitutes financial, investment, tax, legal or insurance advice. Calculators use simplified models — actual returns, taxes and benefits depend on your individual situation, market conditions, and current law. Mutual fund investments are subject to market risk — please read all scheme-related documents carefully. Government scheme rules, eligibility limits, interest rates and tax slabs may change. Always verify the latest information on official websites and consult a SEBI-registered investment advisor, a chartered accountant for tax matters, and an insurance advisor before taking any financial action. We make no warranty as to the accuracy or completeness of the information and accept no liability for any loss arising from its use.

SIP Calculator India 2026 — Forward, Reverse aur Step-Up

Forward SIP - "Kitna Milega?"

Reverse SIP - "Kitna Daalna Padega?"

Lumpsum - "Ek Baar Mein"

Quick Comparison

Year-by-Year SIP Growth