A Systematic Investment Plan (SIP) is the most popular way to invest in mutual funds in India. Instead of investing a lump sum, you invest a fixed amount every month, benefiting from rupee cost averaging and the power of compounding. Use this free SIP calculator to estimate your maturity value, compare step-up SIP returns, and see how your wealth grows year by year against a lumpsum investment.
Fund Category Presets
SIP Investment Details
Increase SIP amount by this % each year (e.g., 10% matches typical salary hike)
Regular SIP Results
Step-Up SIP Results
Lumpsum vs SIP Comparison
| Strategy | Invested | Maturity Value | Returns |
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* Lumpsum assumes the total SIP invested amount is invested upfront on day one.
Year-by-Year Growth
Detailed Year-by-Year Breakdown
| Year | Monthly SIP | Year Investment | Total Invested | Total Value |
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How to Use This India SIP Calculator
Planning your mutual fund investments in India requires understanding how SIP (Systematic Investment Plan) returns compound over time. This free SIP calculator helps you project your wealth based on monthly investments, expected returns, step-up percentages, and investment duration. Whether you are investing in ELSS for tax saving, large-cap index funds, or aggressive small-cap schemes, this tool gives you a clear picture of your future corpus.
Step 1: Choose a Fund Category Preset
Start by selecting a preset based on the type of mutual fund you plan to invest in. Large-cap and index funds historically return 10-12% annually, mid-cap funds 12-15%, small-cap funds 15-18%, and debt funds 6-8%. These presets set a realistic expected return rate. You can always adjust the rate manually for a custom scenario.
Step 2: Enter Your Monthly SIP Amount
Enter the amount you plan to invest every month. In India, most mutual fund SIPs start from as low as 500 per month. The calculator accepts any amount. Even modest monthly investments like 5,000 or 10,000 can grow into substantial wealth over 15-20 years thanks to compounding.
Step 3: Set the Investment Period and Step-Up
Choose how many years you plan to continue the SIP. Longer periods benefit more from compounding. If you plan to increase your SIP amount annually (matching salary increments), set the step-up percentage. A 10% annual step-up is common and significantly boosts your final corpus compared to a flat SIP.
Step 4: Review Your Results
After clicking Calculate, you will see your total invested amount, estimated returns, total maturity value, and wealth gain ratio. If you set a step-up, you will also see how much extra wealth the step-up generates. The lumpsum comparison table shows what would happen if you invested the entire amount upfront instead of through SIP. The year-by-year growth chart and table provide a detailed breakdown of how your wealth compounds each year.
Understanding the Wealth Gain Ratio
The wealth gain ratio tells you how many times your money has multiplied. A ratio of 1.5x means you earned 50% returns on your total investment. A ratio of 2x means your money doubled. This is a quick way to assess whether your SIP strategy is aggressive enough for your financial goals. All calculations happen locally in your browser, so your financial data remains completely private.
FAQ
Is this SIP calculator free?
Yes, this India SIP calculator is completely free with no hidden fees, no signup, and no limits. You can run unlimited calculations, compare step-up SIP and lumpsum scenarios, and view year-by-year growth tables at no cost. Everything runs in your browser.
Is my financial data safe?
Absolutely. All calculations run entirely in your browser using client-side JavaScript. Your investment details are never sent to any server or stored in any database. You can verify this by disconnecting from the internet and the calculator continues to work perfectly.
What is SIP and how does it work?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds, typically monthly. Instead of investing a large lump sum, you invest smaller amounts at regular intervals. This helps average out market volatility through rupee cost averaging and builds a disciplined savings habit over time.
What is step-up SIP and why should I use it?
Step-up SIP means increasing your monthly SIP amount by a fixed percentage each year, typically matching your salary increment. For example, a 10% annual step-up on a 10,000 per month SIP means you invest 11,000 in the second year, 12,100 in the third year, and so on. This significantly boosts your final corpus compared to a regular SIP.
What return should I expect from SIP in India?
Historical returns vary by fund category. Large-cap equity funds have delivered 10-12% annually, mid-cap funds 12-15%, small-cap funds 15-18%, and debt funds 6-8% over long periods. Past returns do not guarantee future performance, but these ranges are commonly used for planning purposes.
Is SIP better than lumpsum investing?
Neither is universally better. SIP reduces timing risk through rupee cost averaging and is ideal for regular earners. Lumpsum investing can generate higher returns in a rising market since the entire amount is invested from day one. This calculator compares both approaches so you can make an informed decision.
How is the wealth gain ratio calculated?
The wealth gain ratio is the ratio of your total maturity value to the total amount invested. A wealth gain ratio of 2x means your money has doubled. For example, if you invest 12 lakh over 10 years and the maturity value is 23 lakh, your wealth gain ratio is approximately 1.92x.
Can I use this calculator for ELSS tax-saving mutual funds?
Yes, this calculator works for any mutual fund including ELSS (Equity Linked Savings Scheme) funds. Simply enter your monthly SIP amount and use 12-15% expected return for ELSS equity funds. Note that ELSS has a 3-year lock-in period, so set your investment period to at least 3 years.