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SIP Calculator India

Calculate SIP returns, future corpus, and wealth gained. Includes Step-Up SIP, Lumpsum, and SWP calculator — free for NSE, BSE & all mutual funds.

SIP / Step-Up Lumpsum SWP

💚 SIP Calculator FREE

Monthly SIP Amount

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Expected Annual Return %

Investment Period (Years)

Estimated Corpus

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Total Invested

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Wealth Gained

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Return Multiple

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Year	Total Invested	Wealth Gained	Corpus Value

Invested vs Corpus Growth

Gains

Invested

Disclaimer: All calculations are based on your inputs and assume a constant rate of return. Actual mutual fund returns vary and are not guaranteed. This calculator is for informational and educational purposes only. Not financial advice. Past performance does not guarantee future results. Consult a SEBI-registered financial advisor before investing.

💡 How it works

1

Choose calculator type

SIP for monthly investments, Step-Up for annual increases, Lumpsum for one-time, SWP for withdrawals.

2

Set your parameters

Use sliders to set amount, return rate, and investment period.

3

See your corpus

Get future value, wealth gained, and a year-by-year breakdown.

📊 Typical Returns (India)

Nifty 50 (10yr avg)~12.5%

Large-cap MF11–14%

Mid-cap MF14–18%

Small-cap MF15–22%

Debt MF6–8%

Bank FD6.5–7.5%

PPF7.1%

*Historical returns. Not a guarantee of future performance.

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What is a SIP Calculator?

A SIP (Systematic Investment Plan) calculator helps you estimate the future value of your monthly mutual fund investments based on an expected rate of return. It uses the compound interest formula to show how your money grows over time — factoring in the power of compounding on every monthly instalment.

Our SIP calculator supports four modes: Regular SIP (fixed monthly amount), Step-Up SIP (increase amount every year), Lumpsum (one-time investment), and SWP (monthly withdrawal from corpus).

SIP Formula

      FV = P × {[(1 + r)^n - 1] / r} × (1 + r)

      Where: P = Monthly SIP, r = Monthly Rate = Annual Rate ÷ 12, n = Total Months

Example: ₹5,000/month SIP at 12% CAGR for 10 years → Total invested: ₹6,00,000 → Future value: ₹11.61 lakh → Wealth gained: ₹5.61 lakh

SIP vs Lumpsum — Which is Better for Indian Investors?

📅 SIP — Best when:

You have regular monthly income
Markets are volatile (averaging lowers cost)
You want to build discipline
You don't have a large lumpsum ready

💰 Lumpsum — Best when:

Markets have corrected significantly
You have a bonus or large windfall
You have a long investment horizon (10+ yrs)
Market valuations are low (low P/E)

Over a 15+ year horizon, both strategies tend to deliver similar returns. However, SIPs reduce risk through rupee-cost averaging — buying more units when prices are low and fewer when prices are high.

Frequently Asked Questions

What is a good SIP amount to start in India?

You can start a SIP with as little as ₹500/month. For meaningful wealth creation, most financial planners recommend at least ₹5,000–₹10,000/month across 2–3 funds. The key is consistency — starting small and staying invested for 10+ years beats starting large and stopping early.

Can I become a crorepati with SIP?

Yes. To accumulate ₹1 crore in 15 years at 12% CAGR, you need to invest approximately ₹20,000/month. In 20 years, you only need ₹10,000/month. The longer you stay invested, the less you need to invest monthly thanks to compounding. Use our calculator above to find your exact number.

What is a Step-Up SIP?

A Step-Up SIP (also called Top-Up SIP) automatically increases your SIP amount by a fixed percentage every year. For example, starting at ₹5,000/month with a 10% annual step-up means you invest ₹5,500 in year 2, ₹6,050 in year 3, and so on. This aligns with typical salary growth and dramatically accelerates wealth creation.

What is SWP in mutual funds?

SWP (Systematic Withdrawal Plan) is the opposite of SIP. Instead of investing regularly, you withdraw a fixed amount every month from your accumulated corpus while the rest continues to earn returns. It's ideal for retirees who need regular income without selling their entire corpus. A well-structured SWP can last decades if the withdrawal rate is lower than the fund's return rate.

Is 12% CAGR realistic for Indian mutual funds?

The Nifty 50 has returned approximately 12–13% CAGR over the last 20 years. Large-cap funds typically return 11–14%, mid-cap funds 14–18%, and small-cap funds 15–22% with higher volatility. For conservative planning, use 10–12% for equity funds. For debt funds, use 6–7%.