📊 SIP Calculator
Calculate SIP, Lumpsum, or Step Up SIP mutual fund returns — see your maturity value, total investment, and estimated gains instantly.
SIP Investment Details
Your Result
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Returns are estimates based on a constant assumed rate of return. Actual mutual fund/SIP returns fluctuate with market performance and are not guaranteed.
How This SIP Calculator Works
This free SIP calculator (also used as a mutual fund calculator) supports three ways to project your investment growth: a regular SIP plan calculator for fixed monthly investments, a Step Up SIP calculator for investments that increase every year, and a Lumpsum calculator for one-time investments — all using compound growth at your expected annual return.
SIP Formula
Where P = monthly SIP amount, i = monthly rate of return (annual rate ÷ 12 ÷ 100), n = number of months
Worked example: A ₹5,000 monthly SIP at 12% expected annual return for 10 years grows to a maturity value of approximately ₹11,61,695 on a total investment of ₹6,00,000 — a gain of about ₹5,61,695.
Step Up SIP Formula
Year 1 uses the starting SIP amount; Year 2 uses Starting Amount × (1 + Step Up %); and so on, each compounding monthly at your expected return.
A step up SIP calculator is useful for investors who expect their income (and savings capacity) to grow over time — increasing your SIP by even 10% a year can meaningfully raise your final maturity value compared to a flat SIP of the same starting amount.
Lumpsum Formula
Where P = lumpsum investment, r = expected annual return (as a decimal), n = number of years
Worked example: A one-time lumpsum investment of ₹1,00,000 at 12% annual return for 10 years grows to approximately ₹3,10,585.
SIP vs. Lumpsum vs. Step Up SIP
A regular SIP averages your purchase cost over time and suits investors with steady monthly income. A Lumpsum investment puts your full amount to work immediately, which can outperform SIP in a rising market but carries more timing risk. A Step Up SIP starts like a regular SIP but increases your contribution each year, helping your investment keep pace with rising income and generally building a larger corpus than a flat SIP of the same starting amount.
Frequently Asked Questions
What is a SIP?
A SIP (Systematic Investment Plan) is a method of investing a fixed sum regularly — usually monthly — into a mutual fund, allowing investors to benefit from rupee-cost averaging and compound growth over time.
What is a Step Up SIP?
A Step Up SIP (also called a top-up SIP) is a SIP where you increase your monthly investment amount by a fixed percentage every year, typically in line with expected income growth, helping you build a larger corpus than a flat SIP.
What is a Lumpsum investment?
A Lumpsum investment means investing your full amount in a mutual fund at once, rather than spreading it out over time like a SIP. Use the Lumpsum calculator mode above to project its maturity value.
Is the SIP return guaranteed?
No. SIP, Step Up SIP, and Lumpsum returns all depend on market performance and are never guaranteed. This calculator uses your expected rate of return purely as an estimate for planning purposes.
How is SIP different from a lumpsum investment?
A SIP spreads your investment across regular monthly intervals rather than investing all at once, which can reduce the impact of market timing and volatility through cost averaging — a Lumpsum investment puts the entire amount to work from day one.