SM
Devs.
Trading Suite

SIP Calculator

Calculate your Systematic Investment Plan returns with optional annual step-up. See your wealth grow year by year with a visual breakdown.

₹
% p.a.
Yrs
Annual Step-Up SIP
Increase SIP every year

SIP Projection

Enter your SIP details to see projections.

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Calculation Formula

Monthly Rate (r) = Annual Rate / 12 | FV = P × [((1+r)^n – 1) / r] × (1+r) | Step-Up: Each year's SIP = Previous × (1 + Step-Up%)

Professional mathematical precision powered by SM Developers.

Strategy Tips

Professional Trading Insights

#01

The Step-Up SIP of just 10% per year can double your corpus compared to a flat SIP over 20 years.

#02

Start early — investing ₹5,000/month at age 25 vs. 35 can result in 3x more corpus at retirement.

#03

A 1% higher return over 20 years can add lakhs to your final corpus — choose funds wisely.

#04

Equity SIP returns fluctuate year to year; use 10-12% as a conservative long-term estimate.

Trading Deep Dive

Mastering the Concept

A SIP (Systematic Investment Plan) allows you to invest a fixed amount at regular intervals. The power of SIP lies in rupee cost averaging and compounding — you buy more units when prices are low and fewer when high, averaging your cost over time.

Rupee Cost Averaging

Investing regularly means you automatically buy more units when prices fall, lowering your average cost per unit.

Step-Up Power

Increasing your SIP by 10% annually mirrors income growth and dramatically compounds your wealth over time.

Frequently Asked Questions

Learn more about this tool

A Systematic Investment Plan (SIP) lets you invest a fixed amount in mutual funds at regular intervals (monthly, quarterly). It enforces discipline, averages out market volatility through rupee cost averaging, and harnesses compound interest to grow wealth steadily over time.
A Step-Up SIP (also called Top-Up SIP) allows you to increase your SIP contribution by a fixed percentage or amount every year. For example, increasing your ₹5,000/month SIP by 10% annually means you invest ₹5,500 in Year 2, ₹6,050 in Year 3, and so on — dramatically boosting your corpus compared to a flat SIP.
SIP returns use the Compound Annual Growth Rate (CAGR) formula applied monthly. Monthly rate = Annual rate / 12. Future Value = P × [((1 + r)^n - 1) / r] × (1 + r), where P is monthly installment, r is monthly return rate, and n is total number of months.
Historically, Indian equity mutual funds (large-cap) have delivered 10-14% CAGR over long periods. Debt funds typically return 5-8%. For conservative estimates, 10-12% is used for equity SIPs. Always remember — past performance does not guarantee future results.
Yes, if your income grows over time. Linking your SIP growth to your income growth ensures your investments grow proportionally, helping you reach financial goals faster without significantly impacting your lifestyle. Even a 5-10% annual step-up can add lakhs to your final corpus.

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