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SIP Calculator
Project SIP maturity with optional annual step-up and starting corpus.
About this calculator
A Systematic Investment Plan (SIP) invests a fixed amount every month in mutual funds. With step-up SIP, you increase the amount each year as your income grows — significantly boosting long-term wealth.
Results are estimates for education only. Product suitability and premiums depend on insurer underwriting and market conditions.
Inputs
Investment details
Assumptions
Understanding SIP Calculator
A Systematic Investment Plan (SIP) invests a fixed amount every month in mutual funds. It builds discipline, averages purchase cost over time, and harnesses compounding for long-term wealth creation.
How this calculator works
Enter monthly SIP, tenure, expected return, optional annual step-up, and any starting corpus. The calculator projects maturity for a flat SIP and for a step-up SIP where the contribution rises each year with income growth.
Example
₹10,000 monthly for 15 years at 12% can grow into a substantial corpus; adding a 10% annual step-up often increases the final value significantly without feeling like a sudden jump in savings.
Practical tips
- Stay invested through market ups and downs — time in the market beats timing the market.
- Align SIP tenure with the goal (education, house, retirement).
- Review fund performance yearly, but avoid frequent switching.
Limitations
Past returns do not guarantee future results. Equity SIPs can be volatile in the short term.
Need help applying these numbers to your situation? Request a free consultation with Smart Wealth Hub, or explore our financial services.