Calculate how your monthly SIP investments grow with compounding. See total corpus, wealth gained, and year-by-year breakdown. Includes optional annual step-up.
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Enter the fixed amount you invest every month.
Historical large-cap equity average is 12–14%. Use a conservative rate for planning.
Longer tenure amplifies compounding dramatically. Try 20 vs 10 years.
Increases your SIP by a fixed % each year — matching salary increments.
P = Monthly SIP r = Monthly return (annual ÷ 12 ÷ 100) n = Total months
For step-up SIP, the monthly amount increases annually and each year is calculated separately then summed.
A Systematic Investment Plan lets you invest a fixed amount monthly in a mutual fund. Each instalment buys units at current NAV, averaging out market highs and lows.
No. Returns are market-linked. The rate you enter is an assumption. Historical large-cap equity returns in India have been 12–15% over 10+ year periods.
Your monthly contribution automatically increases by a fixed % each year — e.g. 10% step-up on ₹5000 means ₹5500 in year 2, ₹6050 in year 3, etc.
Most fund houses allow pausing for 1–3 months without cancelling. Your existing units stay invested and keep growing.
Most mutual funds allow SIP from Rs 100-500 per month. Many popular funds start at Rs 500/month. There is no maximum limit. Starting small and increasing the amount annually (step-up SIP) is an effective wealth-building strategy.