Calculate Your SIP Returns
Investment Summary
💡 Pro Tips
- ✓Start early to maximize the power of compounding
- ✓Consider step-up SIP to align with salary increments
- ✓Equity funds typically offer 12-15% long-term returns
- ✓Stay invested for at least 5-10 years for best results
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Bank-wise SIP Calculators
What is SIP (Systematic Investment Plan)?
A Systematic Investment Plan (SIP) is a disciplined investment approach where you invest a fixed amount regularly (monthly, quarterly, etc.) in mutual funds. Instead of timing the market, SIP allows you to invest consistently and benefit from rupee cost averaging and the power of compounding.
SIP is one of the most popular investment methods in India, with over 6 crore SIP accounts and monthly inflows exceeding ₹15,000 crores. It's perfect for salaried individuals, young professionals, and anyone looking to build wealth systematically.
How Does Our SIP Calculator Work?
Our SIP calculator uses the compound interest formula to calculate your investment returns. Here's the formula:
FV = P × ((1 + r)ⁿ - 1) / r) × (1 + r)📊 Example Calculation
- • Monthly Investment: ₹5,000
- • Expected Return: 12% p.a.
- • Time Period: 10 years
- • Total Value: ₹11.6 lakhs
- • Total Invested: ₹6 lakhs
- • Returns: ₹5.6 lakhs
🚀 Step-Up SIP Benefit
- • Starting SIP: ₹5,000
- • Annual Increase: 10%
- • Time Period: 10 years
- • Total Value: ₹15.2 lakhs
- • Extra Returns: ₹3.6 lakhs
- • 31% more wealth!
Benefits of SIP Investment
Rupee Cost Averaging
Buy more units when prices are low and fewer when high, averaging out your cost.
Power of Compounding
Your returns generate more returns, creating exponential wealth growth over time.
Disciplined Investing
Automated investments ensure you stay committed to your financial goals.
Flexibility
Start with as low as ₹500, pause, or increase your SIP anytime.
No Market Timing
Invest regularly without worrying about market highs and lows.
Wealth Creation
Build substantial corpus for retirement, education, or dream goals.
Types of SIP Calculators
1. Regular SIP Calculator
Calculate returns for fixed monthly investments. Best for consistent investors who want to invest the same amount every month.
2. Step-Up SIP Calculator
Plan for increasing SIP amounts annually. Ideal for salaried professionals who expect regular salary increments and want to maximize wealth creation.
3. Lump Sum Calculator
Calculate returns on one-time investments. Perfect for investors with surplus funds looking to invest a large amount at once.
4. SIP with Inflation Calculator
Adjust your SIP for inflation to maintain purchasing power. Helps you plan for real returns after accounting for inflation.
Frequently Asked Questions (FAQs)
What is a SIP Calculator?
A SIP Calculator is a financial tool that helps you calculate the returns on your Systematic Investment Plan (SIP) investments in mutual funds. It shows you how much wealth you can accumulate over time by investing a fixed amount regularly. Our calculator provides instant results with visual charts to help you plan your investments better.
How accurate is the SIP Calculator?
The SIP calculator provides estimates based on the expected rate of return you input. While it uses accurate mathematical formulas, actual returns may vary based on market performance. The calculator assumes a constant rate of return, but mutual fund returns fluctuate. Use it as a planning tool, not a guarantee of returns.
What is the expected return rate for SIP?
Expected returns vary by fund type: Equity funds typically offer 12-15% returns over the long term (10+ years), Balanced/Hybrid funds offer 10-12%, and Debt funds offer 7-9%. However, past performance doesn't guarantee future returns. Always invest based on your risk appetite and financial goals.
What is Step-Up SIP?
Step-Up SIP (also called Top-Up SIP) allows you to increase your SIP amount periodically—annually or semi-annually. For example, if you start with ₹5,000/month and set a 10% annual step-up, your SIP will increase to ₹5,500 in year 2, ₹6,050 in year 3, and so on. This helps you align investments with growing income and accelerate wealth creation significantly.
Is SIP better than lump sum investment?
Both have their advantages. SIP is ideal for regular investors who want to invest small amounts periodically and benefit from rupee cost averaging. It reduces the risk of market timing. Lump sum is suitable when you have a large amount to invest and market conditions are favorable (like during corrections). Many investors use a combination of both strategies.
Can I stop or pause my SIP?
Yes, SIPs offer complete flexibility. You can pause, stop, or modify your SIP amount anytime without penalties (though some funds may have exit loads if you redeem within a certain period). You can also skip installments if needed. However, staying invested for the long term maximizes the benefits of compounding.
What is the minimum SIP amount?
Most mutual funds allow you to start a SIP with as low as ₹500 per month. Some funds even offer SIPs starting at ₹100. There's no maximum limit—you can invest as much as you want. The key is to start early and stay consistent, regardless of the amount.
How is SIP taxed?
Taxation depends on the fund type and holding period. For Equity funds: Long-term capital gains (LTCG) above ₹1 lakh are taxed at 10%, and short-term gains (STCG) at 15%. For Debt funds: Gains are added to your income and taxed as per your slab. Each SIP installment is treated as a separate investment for tax purposes.
Which is the best SIP calculator in India?
Gpaisa's SIP Calculator is one of the most comprehensive and user-friendly calculators available. It offers regular SIP, step-up SIP, and lump sum calculations with visual charts, all completely free. Unlike many calculators, we provide detailed explanations, examples, and educational content to help you make informed investment decisions.
Related Financial Tools
SIP Investment Best Practices
1. Start Early, Stay Consistent
The earlier you start your SIP, the more time your money has to grow through compounding. Even a small SIP of ₹2,000/month started at age 25 can create a corpus of over ₹1 crore by age 60 (assuming 12% returns). Don't wait for the "perfect time"—start now!
2. Choose the Right Mutual Fund
Select funds based on your goals and risk appetite. For long-term wealth creation (10+ years), equity funds are ideal. For medium-term goals (3-5 years), consider balanced funds. For short-term goals or low risk tolerance, debt funds are suitable. Research fund performance, expense ratios, and fund manager track records.
3. Increase SIP with Income
Use step-up SIP to increase your investment amount annually. If you get a 10% salary hike, increase your SIP by 10% too. This ensures your investments keep pace with your growing income and lifestyle inflation, dramatically boosting your final corpus.
4. Don't Stop During Market Falls
Market corrections are opportunities, not threats. When markets fall, your SIP buys more units at lower prices (rupee cost averaging). Investors who continue SIPs during downturns often see the best long-term returns. Stay invested and trust the process.
5. Diversify Across Fund Categories
Don't put all your eggs in one basket. Spread your SIPs across large-cap, mid-cap, and multi-cap funds. Consider adding international funds for global exposure. Diversification reduces risk and improves overall portfolio stability.
6. Review Portfolio Annually
While SIP is a long-term strategy, review your portfolio once a year. Check if funds are performing as expected, rebalance if needed, and ensure your asset allocation aligns with your goals. However, avoid frequent changes based on short-term performance.
7. Set Clear Financial Goals
Define specific goals for each SIP—retirement, children's education, home down payment, etc. This helps you choose the right funds, investment duration, and amount. Goal-based investing keeps you motivated and disciplined.
Start Your Wealth Journey Today!
Use our free SIP calculator to plan your investments and achieve your financial dreams. Remember, the best time to start was yesterday. The next best time is now!
Keywords: SIP Calculator, Mutual Fund SIP Calculator, SIP Return Calculator, Step Up SIP Calculator, Lump Sum Calculator, SBI SIP Calculator, Groww SIP Calculator, Investment Calculator India
Last Updated: 10 January 2026