SIP Calculator
Calculate future mutual fund SIP returns, total wealth accumulation, and annual step-up growth with milestone projections. Free and private in your browser.
Loading tool interface...
How to use SIP Calculator
- 1
Enter your monthly SIP amount, expected annual returns, and duration.
- 2
Optionally configure an annual step-up percentage and initial lump sum.
- 3
Analyze the generated year-by-year projections, interactive charts, and target milestones.
Capabilities
- Compounding calculation month-by-month
- Visual charts showing corpus growth shares
- Custom step-up percentage contributions
- Calculates investment milestone durations
How Mutual Fund Systematic Investment Plans (SIP) Work
Systematic Investment Plans (SIP) are among the most effective vehicles for retail wealth creation. By investing a consistent amount each month, you avoid the hazards of market timing, benefit from compounding returns, and acquire more units when prices dip.
Calculations are mathematical projections based on constant expected return rates. Mutual fund returns are market-linked and fluctuate. Historical performance does not guarantee future results.
Models deposits at the start of each month to reflect real-world mutual fund auto-debit conventions, maximizing monthly growth compounding.
Test how raising contributions by 5% or 10% annually dramatically expands your final wealth corpus compared to a static flat SIP.
Worked SIP Examples (12% Assumed Annual Return)
₹5,000 / Month for 10 Years: Total Invested: ₹6,00,000 | Estimated Gains: ₹5,61,695 | Final Corpus: ₹11,61,695 (1.9x multiplier).
₹10,000 / Month for 15 Years: Total Invested: ₹18,00,000 | Estimated Gains: ₹32,45,760 | Final Corpus: ₹50,45,760 (2.8x multiplier).
₹10,000 / Month for 20 Years: Total Invested: ₹24,00,000 | Estimated Gains: ₹75,91,480 | Final Corpus: ₹99,91,480 (nearly ₹1 Crore!).
To calculate how much monthly SIP is needed to reach a specific financial goal (like ₹1 Crore), use Goal SIP Calculator.
This tool operates in a sandbox directly inside your web browser. All parsing, processing, and downloads are rendered locally. Your file size, metadata, and contents never cross the network. It works completely offline.
Frequently Asked Questions
What is a Systematic Investment Plan (SIP)?
A Systematic Investment Plan (SIP) allows investors to invest a fixed sum of money at regular monthly intervals into mutual fund schemes, instilling financial discipline and taking advantage of rupee-cost averaging.
How does the SIP calculator compound returns?
WebTorq models monthly contributions made at the beginning of each period (annuity-due convention), applying monthly compounding on the accumulated capital balance throughout the tenure.
What is an Annual Step-Up in a SIP?
An Annual Step-Up automatically increases your monthly SIP contribution by a fixed percentage (such as 10%) every 12 months, mirroring annual salary increments to dramatically accelerate wealth accumulation.
Are mutual fund SIP returns guaranteed?
No. Mutual fund investments are subject to market risks. The return rate entered into the calculator is an assumed constant rate used to project potential growth; actual market returns fluctuate continuously.
How does a SIP differ from a Lumpsum investment?
A SIP spreads investments across multiple months to average out market volatility. A lumpsum investment deposits all capital upfront on day one, maximizing time in the market when capital is immediately available.