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📘 About the SIP Calculator
A SIP (systematic investment plan) invests a fixed amount in a mutual fund every month. Because you buy regularly, you average out market ups and downs, and compounding builds your corpus over time.
This calculator supports a starting lump sum and an annual step-up, so you can see how raising your SIP each year — say by 10% as your salary grows — changes the final value. It shows the maturity value, total invested, wealth gained, a year-by-year table, the value in today's money after inflation and the SIP needed to build ₹1 crore.
🧮 Formula
Returns are an assumption, not a guarantee. Actual mutual fund returns vary with the market.
✏️ Worked examples
₹10,000 a month for 15 years at 12%
You get| Maturity Value | ₹49,95,802 |
| Total Invested | ₹18,00,000 |
| Wealth Gained | ₹31,95,802 |
| Gain on Investment | 177.5% (2.78× your money) |
| Value in Today's Money (6% inflation) | ₹20,84,574 |
| Monthly SIP Needed for ₹1 Crore in 15 Years | ₹20,017 |
Maturity ₹49,95,802; invested ₹18,00,000.
Try this example →₹5,000 a month with 10% step-up for 20 years
You get| Maturity Value | ₹98,45,899 |
| Total Invested | ₹34,36,500 |
| Wealth Gained | ₹64,09,399 |
| Gain on Investment | 186.5% (2.87× your money) |
| Value in Today's Money (6% inflation) | ₹30,69,998 |
| Monthly SIP Needed for ₹1 Crore in 20 Years | ₹10,109 |
Maturity ₹98,45,899.
Try this example →₹1 lakh lump sum + ₹3,000 SIP for 10 years
You get| Maturity Value | ₹10,20,155 |
| Total Invested | ₹4,60,000 |
| Wealth Gained | ₹5,60,155 |
| Gain on Investment | 121.8% (2.22× your money) |
| Value in Today's Money (6% inflation) | ₹5,69,649 |
| Monthly SIP Needed for ₹1 Crore in 10 Years | ₹42,036 |
Maturity ₹10,20,155.
Try this example →₹10,000 a month for 10 years at 12%
You get| Maturity value | ₹2,300,386.89 |
| Amount invested | ₹1,200,000.00 |
| Wealth gained | ₹1,100,386.89 |
Investing ₹1.2 million over ten years grows to more than double under the assumed return.
💡 SIP returns table (12% a year)
- ₹5,000 a month: 10 years ≈ ₹11.6 lakh · 20 years ≈ ₹50 lakh
- ₹10,000 a month: 10 years ≈ ₹23.2 lakh · 20 years ≈ ₹1 crore
- ₹25,000 a month: 10 years ≈ ₹58 lakh · 20 years ≈ ₹2.5 crore
❓ Frequently asked questions
How much SIP should I start with?
A common approach is to invest 15–20% of your monthly income and increase it each year as your income grows.
Is a higher return always realistic?
No. Use conservative assumptions. Equity funds have delivered high returns over long periods but can fall sharply in the short term.
Does the step-up help?
Yes. Raising your SIP by even 10% a year increases the final corpus significantly because larger amounts get invested earlier.
How is SIP return calculated?
FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i), where P is the monthly SIP, i the monthly return and n the number of months.
How much SIP for ₹1 crore?
About ₹10,000 a month for 20 years at 12%, or ₹20,000 a month for 15 years.
What people are saying
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Anonymous · 29 Sep 2026
![SIP Calculator formula: FV = P × [ ((1 + i)ⁿ − 1) ÷ i ]; Lump sum growth = L × (1 + i)ⁿ](https://powercalculators.com/assets/img/calculators/sip-calculator-1200x630.jpg?v=1d37ff2412 "SIP Calculator — formula explained")