Calculate mutual fund SIP returns with step-up SIP, goal planner, inflation adjustment, and SIP vs lumpsum comparison. Free for India.
Also searched as: mutual fund sip calculator · systematic investment plan calculator · sip return calculator · step-up sip calculator · sip goal calculator
Step-by-step guide to get the most from this tool
Select SIP Calculator, Goal Planner, or SIP vs Lumpsum comparison tab.
Enter monthly amount or target corpus, expected return, and investment period in years.
Turn on step-up SIP or inflation adjustment for more realistic projections.
See maturity value, growth chart, and download year-wise CSV for your records.
What makes this tool stand out
Reverse-calculate monthly SIP needed for your target corpus.
Model annual increases in monthly investment.
Compare systematic investing against one-time investment.
See real purchasing power of your returns.
Download year-wise investment and value breakdown.
Preset return rates for debt, hybrid, and equity funds.
More free utilities you might find useful
Quick answers to common questions
SIP (Systematic Investment Plan) is investing a fixed amount in mutual funds at regular intervals, usually monthly. It uses rupee cost averaging and compounding to build wealth over time.
Each monthly investment compounds at the expected annual return divided by 12. The maturity value is the sum of all compounded monthly contributions over the investment period.
Step-up SIP increases your monthly investment by a fixed percentage each year. For example, 10% annual step-up on ₹10,000/month significantly boosts your final corpus.
Enter your target corpus and investment period. The calculator reverse-computes the monthly SIP amount needed to reach your goal at the expected return rate.
Real return adjusts your maturity value for inflation, showing purchasing power in today's rupees. India's typical inflation is 5-7% annually.
SIP reduces timing risk through rupee cost averaging. Lumpsum can outperform in rising markets but SIP is preferred for disciplined, regular investing.
Use 7% for debt funds, 10% for hybrid, 12% for large-cap equity, and 15% for aggressive small-cap funds. These are historical estimates, not guarantees.
Yes. Click Export year-wise CSV to download invested amount and portfolio value for each year of your plan.
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M = P × ((1 + r)ⁿ − 1) / r × (1 + r)M is the maturity amount, P is the monthly SIP amount, r is the expected monthly return rate, and n is the total number of months invested.
| Symbol | Meaning |
|---|---|
| M | Maturity amount |
| P | Monthly SIP investment |
| r | Monthly return rate (annual rate ÷ 1200) |
| n | Total number of months |