SIP Calculator

See what a monthly mutual-fund SIP can grow into. Add an annual step-up to match your rising income and watch compounding do the rest — all in rupees.

📖 About this tool

What it does

Projects a monthly mutual-fund SIP forward at an assumed return, with an optional yearly step-up, and splits the result into what you invested versus the wealth compounding added. A step-up SIP — raising the amount each year with your salary — is one of the most effective ways Indians build a large corpus.

Who this helps

Salaried and self-employed investors building long-term wealth through equity or hybrid mutual funds — the default approach for most corporate employees who self-fund their goals and retirement.

What it doesn't do

Assumes a smooth average return; real markets swing year to year. Returns are pre-tax — equity fund gains held over a year are taxed at 12.5% LTCG above ₹1.25 lakh/year. Not SEBI-registered advice.

Inputs

Your SIP

Your Corpus

Corpus Growth Over Time
Year-by-Year
YearBalanceInvestedGains