SIP Calculator — Regular & Step-Up
Calculate mutual fund SIP returns and see how Step-Up SIP builds more wealth over time
💸 Enter Your SIP Details
Fixed amount you invest every month
Average annual return expected from mutual fund (CAGR)
Total number of years you plan to invest
✅ Your SIP Returns Summary
📅 Year-wise Growth Breakdown
| Year | Monthly SIP (₹) | Invested in Year (₹) | Total Invested (₹) | Total Value (₹) | Gains (₹) |
|---|
⚠ Disclaimer: Returns are estimated based on the expected rate you entered. Actual mutual fund returns vary with market conditions. Past performance is not indicative of future results. Please consult a qualified financial advisor before investing.
💸 Enter Step-Up SIP Details
Your SIP amount in the first year
% increase in SIP amount every year (e.g. 10% per year)
Average annual return expected from mutual fund (CAGR)
Total number of years you plan to invest
✅ Step-Up SIP vs Regular SIP Comparison
📅 Year-wise Step-Up SIP Breakdown
| Year | Monthly SIP (₹) | Invested in Year (₹) | Total Invested (₹) | Total Value (₹) | Gains (₹) |
|---|
⚠ Disclaimer: Returns are estimated based on the expected rate you entered. Actual mutual fund returns vary with market conditions. Past performance is not indicative of future results. Please consult a qualified financial advisor before investing.
Prefer to work in Excel?Download our free, CA-prepared SIP calculator workbook — annual step-up, a full year-wise schedule and a lumpsum tab. Works offline in Excel, LibreOffice or Google Sheets.
Get the Excel version →Compare actual mutual fundsSee real 1, 3 and 5-year returns and a growth chart for up to four funds side by side, using live AMFI NAV data.
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