Calculate how your monthly SIP investments grow with compounding. See total corpus, wealth gained, and year-by-year breakdown. Includes optional annual step-up.
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Enter the fixed amount you invest every month.
Historical large-cap equity average is 12–14%. Use a conservative rate for planning.
Longer tenure amplifies compounding dramatically. Try 20 vs 10 years.
Increases your SIP by a fixed % each year — matching salary increments.
P = Monthly SIP r = Monthly return (annual ÷ 12 ÷ 100) n = Total months
For step-up SIP, the monthly amount increases annually and each year is calculated separately then summed.
A Systematic Investment Plan lets you invest a fixed amount monthly in a mutual fund. Each instalment buys units at current NAV, averaging out market highs and lows.
No. Returns are market-linked. The rate you enter is an assumption. Historical large-cap equity returns in India have been 12–15% over 10+ year periods.
Your monthly contribution automatically increases by a fixed % each year — e.g. 10% step-up on ₹5000 means ₹5500 in year 2, ₹6050 in year 3, etc.
Most fund houses allow pausing for 1–3 months without cancelling. Your existing units stay invested and keep growing.