SIP Calculator
Calculate your SIP returns with step-up, inflation adjustment, and see exactly how your money grows year by year.
| Year | SIP/mo | Invested | Value | Returns |
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💾 Values are saved locally on your device only — never sent to any server.
What is SIP? A Complete Guide for Indian Investors
A Systematic Investment Plan (SIP) is one of the most popular ways Indians invest in mutual funds. Instead of putting a large sum into the market at once, SIP lets you invest a fixed amount every month automatically. This approach takes the guesswork out of market timing.
How Does SIP Work?
When you set up a SIP, your bank automatically debits a fixed amount monthly and invests it in your chosen mutual fund. The fund allocates units based on the current NAV. When markets are low, you get more units; when high, fewer. This is called rupee cost averaging.
SIP vs Lump Sum
For most salaried Indians, SIP is better. You don't need a large corpus to start — SIPs begin at just ₹500/month. Lump sum investing works if you have a windfall but requires market timing knowledge.
The Power of Step-Up SIP
Step-up SIP automatically increases your monthly amount by a fixed percentage yearly. A ₹10,000/month SIP at 12% gives ₹1 crore in 20 years; with 10% step-up, you hit ₹1 crore in just 15 years.
Inflation-Adjusted Returns
At 6% inflation, ₹1 crore in 20 years is worth only about ₹31 lakhs today. That's why our calculator includes inflation adjustment. Consider the FIRE calculator for retirement planning.
Track SIPs with Vitta
Vitta helps you monitor SIP contributions alongside expenses. Track every rupee and find savings to increase your SIP.
Frequently Asked Questions
What is SIP and how does it work?+
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds. It uses rupee cost averaging — buying more units when markets dip and fewer when they rise — to deliver strong long-term returns.
How much should I invest in SIP per month?+
Aim for at least 20% of your monthly income. For a ₹50,000 salary, that means ₹10,000 in SIP. Start small if needed and increase with step-up SIP as your income grows.
What is step-up SIP?+
Step-up SIP automatically increases your monthly SIP amount by a fixed percentage every year. A 10% step-up on ₹10,000 becomes ₹11,000 in year 2, ₹12,100 in year 3 — dramatically increasing your final corpus.
Can SIP make me a crorepati?+
Yes. ₹10,000/month at 12% return grows to over ₹1 crore in about 20 years. With a 10% annual step-up, you can reach ₹1 crore in roughly 15 years.
Is SIP better than Fixed Deposit?+
For 5+ year goals, SIP in equity mutual funds has historically delivered 12–15% returns vs 6–7% for FDs. However, SIP carries market risk. FDs are better for short-term savings.