📈 SIP Calc India

Free SIP Calculator
for Indian Investors

Calculate SIP returns, model step-up growth, and compare with lump sum — all based on AMFI-standard compound interest calculations.

  • ✓ Regular SIP, Step-Up SIP, and Lump Sum comparison
  • ✓ Year-by-year corpus breakdown
  • ✓ Indian number format (₹1,00,000)
  • ✓ Based on AMFI-standard SIP formula

Did you know? As of 2024, over 7.9 crore SIP accounts are active in India with monthly contributions exceeding ₹20,000 crore (AMFI data).

₹
₹500₹50,000
%
1%30%
yr
1 yr30 yr

Total Invested

₹6,00,000

Est. Returns

₹5,61,695

Wealth Gain

93.6%

Total Value

₹11,61,695

InvestedReturns
📊 Year-by-Year Breakdown
YearInvestedReturnsTotal Value
1₹60,000₹4,047₹64,047
2₹1,20,000₹16,216₹1,36,216
3₹1,80,000₹37,538₹2,17,538
4₹2,40,000₹69,174₹3,09,174
5₹3,00,000₹1,12,432₹4,12,432
6₹3,60,000₹1,68,785₹5,28,785
7₹4,20,000₹2,39,895₹6,59,895
8₹4,80,000₹3,27,633₹8,07,633
9₹5,40,000₹4,34,108₹9,74,108
10₹6,00,000₹5,61,695₹11,61,695

What is SIP?

SIP (Systematic Investment Plan) is a disciplined investment method where you invest a fixed amount in mutual funds at regular intervals — typically monthly. Rather than timing the market, SIP uses rupee cost averaging: buying more units when prices fall and fewer when prices rise. Over time, this creates a lower average cost per unit and drives consistent wealth creation.

How SIP Works

Each month, a fixed amount is auto-debited from your bank account and invested in your chosen mutual fund. You receive units at the day's NAV (Net Asset Value). Over years, your money compounds — returns generate their own returns. The SIP formula is: M = P × [((1+r)^n − 1) / r] × (1+r), where P is monthly investment, r is monthly return rate, and n is total months.

How to Use This Calculator

1

Enter Monthly SIP

Set your monthly investment amount (₹500 to ₹50,000).

2

Set Return & Tenure

Enter expected annual return and investment period in years.

3

Get Your Projection

See corpus, returns, wealth gain, and year-by-year breakdown.

SIP in India — Key Numbers

7.9 Cr+

Active SIP accounts in India (2024)

₹20,000 Cr+

Monthly SIP contribution (AMFI 2024)

₹500

Minimum SIP amount per month

12–15%

Historical CAGR of diversified equity funds

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Want to see how a lump sum grows with compound interest?

Use Compound Calc to model how your savings grow with different interest rates and compounding frequencies.

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Frequently Asked Questions

What is SIP in mutual funds?+
SIP is a method of investing a fixed amount in mutual funds at regular intervals (typically monthly). It uses rupee cost averaging — buying more units when markets fall — to build wealth systematically over time. Over 7.9 crore SIP accounts are active in India as of 2024.
How does SIP calculator work?+
A SIP calculator uses the formula M = P × [((1+r)^n - 1) / r] × (1+r), where P = monthly investment, r = monthly rate (annual rate ÷ 1200), n = months. It shows maturity value, total invested, and expected returns instantly.
What is the formula for SIP returns?+
M = P × [((1+r)^n - 1) / r] × (1+r). Example: ₹5,000/month at 12% for 10 years → r = 0.01, n = 120 → M = ₹11,61,695. Invested = ₹6,00,000. Returns = ₹5,61,695.
What is a good monthly SIP amount?+
Start with 20% of take-home salary as a guideline. For ₹30,000/month income: ₹3,000–5,000. For ₹50,000/month: ₹8,000–12,000. Start with any amount — even ₹500 — and increase annually with step-up SIP.
What is step-up SIP?+
Step-up SIP automatically increases your monthly investment by a fixed percentage each year (typically 10%). Starting ₹5,000 with 10% step-up for 20 years at 12% grows to ~₹1.5 crore vs ₹49.9 lakh for a flat ₹5,000 SIP — nearly 3x the wealth.
SIP vs lump sum — which is better?+
For salaried investors with regular monthly income, SIP is almost always better. It removes the need to time the market and uses rupee cost averaging. Lump sum can outperform if invested at a market bottom, but consistently timing the bottom is impossible for most investors.
What is the average SIP return in India?+
Historical 10-year CAGR for Indian equity funds: Large cap 11–13%, Flexi cap 12–15%, Mid cap 14–18%. Nifty 50 index has delivered ~13–15% CAGR since inception. Use 12% as a conservative base case for planning.
Can I start SIP with ₹500 per month?+
Yes. SEBI mandates that most mutual funds offer SIPs starting at ₹500/month. ₹500/month at 12% for 20 years = ~₹4.99 lakh. While modest, it builds the investing habit — and you can increase via step-up SIP over time.
How long should I invest in SIP?+
Minimum 5 years for equity SIP. 10 years is good; 15–20 years is optimal. A ₹5,000 SIP for 10 years at 12% = ₹11.6 lakh. For 20 years = ₹49.9 lakh. For 30 years = ₹1.76 crore. Time is the most powerful factor in SIP returns.
Is SIP return guaranteed?+
No. SIP returns are market-linked, not guaranteed. However, historically, no diversified equity SIP has delivered negative XIRR over any 10-year period in India. The longer your tenure, the lower the probability of negative outcomes.
What happens if I miss an SIP installment?+
Nothing severe. Most fund houses allow a few missed payments before suspending the mandate. No penalty from the fund house, but your bank may charge ₹100–500 for a failed auto-debit. Missed installments don't cancel your existing units or reduce your corpus.
How is SIP maturity amount calculated?+
Formula: M = P × [((1+r)^n - 1) / r] × (1+r). P = monthly SIP, r = monthly rate, n = months. For ₹5,000/month, 12% annual, 10 years: r=0.01, n=120, M = ₹11,61,695. Our calculator handles this automatically.
What is the minimum SIP tenure?+
Fund houses typically allow minimum 6 months. But for equity SIPs, a minimum of 3–5 years is recommended to benefit from rupee cost averaging across market cycles. ELSS funds require 3 years per installment due to lock-in.
SIP vs PPF — which is better for long-term?+
Use both. PPF offers guaranteed tax-free returns (7.1% currently) under 80C — ideal for ₹1.5 lakh/year allocation. Equity SIP offers historically higher returns (11–15%) for additional wealth creation. The combination gives you safety + growth.
How much will ₹5000 SIP grow in 10 years?+
At 8%: ₹9,20,874 | At 10%: ₹10,32,442 | At 12%: ₹11,61,695 | At 15%: ₹13,93,817. Total invested: ₹6,00,000. At the base case 12%, you nearly double your money in 10 years.
What is CAGR in SIP?+
CAGR (Compound Annual Growth Rate) is the annualized growth rate of a fund. A fund with 12% CAGR means it effectively compounded at 12% annually. For SIP investors, XIRR (Extended IRR) is more accurate than CAGR as it accounts for the timing of all installments.

See full SIP glossary →

Learn More About SIP Investing

What Is SIP Investing? A Plain-English Guide for Indian Beginners

SIP lets you invest a fixed amount every month in mutual funds — no timing the market, no lump sum required. Here's how it actually works.

6 min read

SIP vs Lump Sum: Which Investment Strategy Wins in India?

SIP averages out market volatility. Lump sum bets on timing. In India's volatile equity market, the answer depends more on your situation than a formula.

7 min read

Step-Up SIP: How Annual Increment Multiplies Your Wealth

A step-up SIP increases your monthly investment by a fixed percentage each year, matching your salary growth. The compounding effect is dramatic.

6 min read

Realistic SIP Return Expectations: What 10-15% Actually Means

Most SIP calculators default to 12% returns. But what does that actually mean in practice, and what factors can push returns higher or lower?

7 min read

View all articles →

Common SIP Use Cases

How a 25-Year-Old Can Build ₹1 Crore with ₹5,000/Month SIP

Starting early is the single biggest advantage in SIP investing. A 25-year-old investing ₹5,000/month can realistically cross ₹1 crore by age 45.

Using Step-Up SIP to Align Investments with Salary Hikes

Every salary hike is an opportunity to increase your SIP. A systematic 10% annual step-up mirrors typical career income growth and dramatically accelerates wealth building.

Planning Retirement with SIP: A 30-Year Road Map

A 30-year SIP for retirement is one of the most powerful wealth-building tools available to salaried Indians. Here's how to structure it from scratch.

SIP vs Recurring Deposit: What Indians Should Really Choose

RD offers safety and guaranteed returns. SIP offers market-linked growth with higher long-term potential. The right choice depends on your goal and timeline.

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Comparing SIP with gold investment?

Check today's live gold price and historical trends at Gold Rate Today to benchmark against your SIP returns.

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