SIP Calculator
SIP + Lump Sum + Step-up Returns Calculator
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Returns
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📊 SIP Calculator India (2026)
Use this SIP Calculator to estimate returns on your Systematic Investment Plan in mutual funds. It supports monthly SIP, lump sum investment, and step-up SIP to help you plan long-term wealth creation.
💡 What is SIP?
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds. It helps you benefit from rupee cost averaging and compounding over time.
🧮 How SIP Calculation Works
- ✔ Monthly investments grow with compounding returns
- ✔ Lump sum investment grows separately
- ✔ Step-up SIP increases yearly investment
- ✔ Total value = SIP + lump sum growth
📈 SIP Formula (Simplified)
Future Value = P × [ (1 + r)^n − 1 ] / r × (1 + r)
- P = Monthly investment
- r = Monthly return rate
- n = Number of months
📌 Benefits of SIP
- ✔ Start with small amounts
- ✔ Reduce market timing risk
- ✔ Benefit from compounding
- ✔ Ideal for long-term goals
❓ FAQ - SIP Calculator
1. What is SIP?
SIP is a method of investing fixed amounts regularly in mutual funds.
2. What is a good SIP return?
Typically 10%–12% annually is considered reasonable for equity funds.
3. What is step-up SIP?
It increases your SIP amount every year to boost returns.
4. Is SIP better than lump sum?
SIP reduces risk, while lump sum may give higher returns in bull markets.
5. Can I withdraw SIP anytime?
Yes, most mutual funds allow withdrawal anytime (except ELSS lock-in).
👉 This calculator provides an estimated SIP return based on India market assumptions (2026).