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SIP Calculator with Chart

Calculate Systematic Investment Plan (SIP) returns with optional annual step-up contributions. Area chart shows invested vs corpus growth.

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About this tool

A Systematic Investment Plan (SIP) lets you invest a fixed amount every month into a mutual fund, harnessing the power of rupee-cost averaging and compounding over time. This calculator computes your final corpus, total invested amount, and estimated gains using the SIP future value formula. The optional annual step-up feature increases your contribution by a fixed percentage each year — mirroring salary growth — and dramatically amplifies final wealth. An area chart overlays total invested capital against the growing corpus so you can visualise exactly when your returns begin to outpace contributions. A toggle reveals the full year-by-year table showing monthly SIP amount, cumulative invested, corpus, and gain for each year of the plan.

Why use it

  • Visualises the compounding effect of monthly investing over decades.

  • Step-up modelling shows the dramatic impact of increasing contributions with salary growth.

  • Area chart makes it intuitive to see when returns overtake invested principal.

  • Year-by-year table helps plan milestone withdrawals or target dates.

  • Browser-only calculation — no data leaves your device.

  • Replaces complex spreadsheet formulas for SIP future value with a single input form.

How to use

  1. Enter your monthly investment amount.
  2. Set the expected annual return percentage (historical equity mutual fund average is 10–14%).
  3. Enter the investment period in years.
  4. Optionally set an annual step-up percentage to increase contributions each year.
  5. The final corpus, total invested, and estimated returns update instantly.
  6. Click 'Show year-by-year table' to see a detailed annual breakdown.
  7. Adjust the step-up percentage to find the contribution growth rate that matches your career trajectory.

When it helps

  • Planning a monthly mutual fund SIP for retirement or a financial goal.
  • Comparing the impact of different return rate assumptions.
  • Deciding how much to increase contributions each year.
  • Presenting investment projections to a client or family member.
  • Estimating how long to reach a target corpus.
  • Setting up a long-term retirement SIP after a salary raise.

Examples

Long-term equity SIP

Input

₹10,000/month, 12% annual, 25 years, no step-up

Expected result

Corpus ≈ ₹1.89 crore; Invested ₹30 lakh; Gain ₹1.59 crore

With 10% annual step-up

Input

₹10,000/month, 12% annual, 25 years, 10% step-up

Expected result

Corpus ≈ ₹4.42 crore; Invested ₹1.18 crore; Gain ₹3.24 crore

Conservative 10-year

Input

$500/month, 8% annual, 10 years, no step-up

Expected result

Corpus ≈ $91,500; Invested $60,000; Gain $31,500

Retirement target

Input

$1,000/month, 9% annual, 30 years, 5% step-up

Expected result

Corpus ≈ $2.36 million; Invested $797k; Gain $1.56 million

Tips

  • Start early — even small SIP amounts compound dramatically over 20+ years thanks to the time horizon.
  • Don't time the market — the whole point of SIP is automatic monthly contributions through bull and bear cycles.
  • Step-up your contribution by at least your inflation rate (3-4%) annually to maintain real purchasing power.
  • Use 8-10% return assumptions for safety; 14%+ is aggressive and not historically sustainable across all decades.
  • Keep an emergency fund (3-6 months expenses) before starting an aggressive SIP — you don't want to liquidate during a market dip.
  • For tax-efficient SIPs in India, consider ELSS funds (3-year lock-in, Section 80C deduction up to ₹1.5 lakh).
  • Diversify across 3-4 funds (large cap, mid cap, small cap, international) rather than concentrating in a single fund.

Frequently Asked Questions

What is the SIP future value formula?
FV = P × ((1+r)^n − 1) / r × (1+r), where P is monthly investment, r is monthly return rate (annual rate / 12 / 100), and n is total months. The step-up version recalculates P each year.
What annual return should I use?
Historical large-cap equity mutual funds have returned 10–14% annually over long periods. Use 8–10% for conservative estimates, 12% for moderate, and 14%+ only for aggressive assumptions.
How does the annual step-up work?
Each year your monthly SIP amount increases by the step-up percentage. For example, starting at $500/month with a 10% step-up means $550 in year 2, $605 in year 3, and so on.
Does this account for taxes on gains?
No. Tax treatment depends on your country, fund type, and holding period. Consult a tax advisor for net-of-tax projections.
What is the difference between SIP and lump-sum investing?
SIP spreads purchases over time, reducing timing risk through rupee/dollar-cost averaging. A lump-sum can outperform in a rising market but is riskier if you invest at a peak.
Can I use this for 401(k) or ETF contributions?
The underlying math is identical for any fixed periodic investment earning a compound return. Enter your monthly contribution and expected return to get the same projection.
Why does step-up make such a large difference?
A 10% annual step-up on a 20-year plan means your final-year contribution is 6.7× the first year. Combined with compounding, even a 5% step-up can nearly double the final corpus versus a flat SIP.
How does this compare to fund-house SIP calculators (Groww, Zerodha, ET Money)?
Results match these calculators to the rupee when using the same inputs (same return rate, period, step-up percent). This tool offers more transparency in the year-by-year table and does not require account login.

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Glossary

SIP (Systematic Investment Plan)
An investment method where you contribute a fixed amount at regular intervals (typically monthly) into a mutual fund or similar vehicle.
Corpus
The accumulated total value of all SIP contributions plus their compounded returns at any point in time.
Step-up SIP
A SIP variant where the monthly contribution increases by a fixed percentage each year — typically used to keep pace with salary growth.
Compounding
The process by which earnings on an investment generate further earnings, leading to exponential growth over time.
Rupee-cost averaging (Dollar-cost averaging)
By investing the same amount regardless of price, you buy more units when prices are low and fewer when high — reducing timing risk.
CAGR (Compound Annual Growth Rate)
The annualized rate of return on an investment over a period, accounting for compounding. Used to express SIP performance simply.
Real vs nominal return
Nominal return is the stated rate. Real return subtracts inflation, showing the actual gain in purchasing power.
Expense ratio
Annual fee charged by mutual funds (typically 0.5-2.5%). Reduces effective return rate — subtract from your assumed return for accuracy.
Equity vs debt fund
Equity funds invest primarily in stocks (higher long-term return, higher volatility). Debt funds invest in bonds (lower return, more stable).