Priyanka Personal Finance
Smart Money · Simple Words · India
Smart Money · Simple Words · India
Free online SIP calculator for India. Plan mutual fund SIP, reverse-engineer your crorepati target, model annual step-ups & compare lumpsum — all in one place.
SIP: Fixed monthly investment. Step-Up SIP: Increase SIP yearly. Lumpsum: One-time investment.
Pro Tip: ₹10K SIP with 10% step-up for 25 years at 12% return = ₹5.6 Crore!
| Year | Monthly SIP | Annual Invested | Cumulative Invested | Year-End Value | Wealth Gained |
|---|
Educational use only · Not financial advice · Consult a SEBI-registered advisor before investing
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.
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.
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.
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.
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.
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 automatically increases your monthly SIP amount by a percentage (e.g. 10%) every year — matching your salary growth. Results in significantly larger corpus.
Yes, you can pause or stop SIPs anytime without penalty. Your existing units stay invested and keep growing.
A combination of a Nifty 50 index fund SIP + a flexi-cap fund SIP works for most beginners. See our best SIP plans guide.