How to Grow Wealth with SIP — Free Mutual Fund Calculator India

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
Shows the corpus value in today’s money
✅ Your SIP Returns Summary
Invested Amount Estimated Returns
📅 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
Shows the corpus value in today’s money
✅ 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.
🎯 Reach a Target Amount
The corpus you want to build
Average annual return you expect
How long you will keep investing
If set, the target is treated as today’s cost and grown to a future value

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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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SIP Calculator — FAQs

How is SIP return calculated?
The calculator finds the future value of your monthly investment compounded at the expected annual return. It uses the standard begin-of-month (annuity-due) method: FV = P x [((1+i)^n – 1) / i] x (1+i), where P is the monthly amount, i is the monthly return and n the number of months.

What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly instalment by a fixed percentage every year, so your investment keeps pace with rising income. This tool compounds each year at the higher amount.

Are SIP returns guaranteed?
No. Mutual fund SIPs are market-linked. The return you enter is only an assumption; actual returns vary and can be negative in the short term.

What return should I assume for equity SIPs?
Over long periods many investors assume about 10 to 12 percent a year for diversified equity funds, and less for hybrid or debt funds. Use a conservative figure and review periodically.

Is SIP income taxable?
Gains are taxed as capital gains when you redeem units, not while the SIP runs. Use our Capital Gains Calculator to estimate the tax on redemption.

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