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Calculate mutual fund SIP returns with step-up option and yearly projections
Increase SIP yearly
Enter SIP details and click Calculate
A SIP (Systematic Investment Plan) calculator helps you estimate the future value of regular monthly investments in mutual funds. Unlike a lumpsum investment where you invest a large amount at once, SIP allows you to invest a fixed amount every month, benefiting from rupee cost averaging and the power of compounding. Our calculator uses the standard future value formula to project how your money grows over time based on your expected annual returns.
SIPs have become the most popular way for Indian retail investors to participate in equity markets. As of 2025, over 9 crore SIP accounts are active in India with monthly contributions exceeding ₹25,000 crore. The beauty of SIP lies in its simplicity — you don't need to time the market or have a large corpus to start investing. Even ₹500 per month can grow into a substantial corpus over 15-20 years through the power of compounding.
SIP returns are calculated using the future value of an annuity formula: FV = P × [(1 + r)^n - 1] / r × (1 + r), where P is your monthly investment, r is the monthly return rate (annual rate ÷ 12), and n is the total number of months. Each SIP installment compounds independently from its investment date, which means earlier installments have more time to grow.
For example, a ₹5,000 monthly SIP at 12% expected annual returns for 10 years results in a total investment of ₹6,00,000. The estimated maturity value is approximately ₹11,61,695 — nearly doubling your money. Over 20 years, the same ₹5,000/month grows to approximately ₹49,96,000 from just ₹12,00,000 invested, a 4.2x wealth multiplier. This is the magic of compounding — your gains start earning their own gains.
The SIP vs lumpsum debate is one of the most common questions among Indian investors. SIP provides rupee cost averaging — you automatically buy more units when markets are low and fewer when high. This reduces the impact of market volatility and eliminates the need to time the market. Lumpsum investing, on the other hand, works better in consistently rising markets because the entire amount starts compounding from day one.
For most salaried professionals, SIP is the better choice because it aligns with monthly income flow and enforces investment discipline. Consider using step-up SIP to increase your investment by 10-15% each year as your salary grows. A ₹10,000 SIP with 10% annual step-up over 20 years generates significantly more wealth than a flat ₹10,000 SIP — our calculator shows you exactly how much more. If you receive a bonus or windfall, consider deploying it as a lumpsum alongside your regular SIP for maximum returns.
| Feature | JumpTools | Groww | ClearTax | ET Money |
|---|---|---|---|---|
| Price | Free | Free (ads) | Free (limited) | Free (ads) |
| Privacy | 100% local | Account required | Account required | Account required |
| Step-up SIP | Yes (1-25%) | No | Limited | No |
| Year-by-Year Breakdown | Yes with chart | Basic | No | Basic |
| Growth Chart | Interactive area chart | Basic bar | Pie only | Basic |
| CSV Export | Yes | No | No | No |
| No Signup | Yes | No | No | No |
Project returns with annual SIP increase to beat inflation
Interactive area chart showing invested vs gains over time
Detailed breakdown of SIP amount, invested, value, and gains each year
Real-time calculation as you adjust sliders — no page reload
Enter Monthly SIP Set your monthly investment amount using the slider or quick presets (₹1,000 to ₹5,00,000)
Set Duration Choose your investment period from 1 to 30 years. Longer durations benefit more from compounding
Choose Return Rate Select expected annual returns (8-18%). Use 12% as a balanced estimate for equity mutual funds
View Results Click Calculate to see total investment, maturity value, gains, and year-by-year growth chart
Calculate mutual fund SIP returns instantly with step-up option. See year-by-year growth projections with interactive charts. Compare different return rates and durations. 100% client-side — your financial data never leaves your browser.
Files never leave your device
Not available — would need cloud processing
Historical fund data requires real-time access to mutual fund databases. Our calculator uses expected returns you input.