SIP RETURNS CALCULATOR — INDIA

Calculate SIP (Systematic Investment Plan) returns with the accurate annuity-due formula. Enter your monthly SIP amount, expected annual return (CAGR), and investment period to get the exact maturity value, total invested, wealth gained, and wealth ratio. Supports Step-up SIP (annual increment) — se...

HOW TO USE

1. 1

   Enter your monthly SIP amount — use the quick presets (₹500 to ₹50,000) or type any amount. The monthly equivalent is shown below the input. SIP means you invest this fixed amount every month regardless of market conditions.

2. 2

   Set the expected annual return (CAGR). Use the presets as a guide: Debt funds/FD 7%, balanced funds 10%, diversified equity 12%, small-cap/aggressive equity 15-18%. Remember these are expected rates — actual returns vary. The calculator uses the annuity-due formula (investment at start of each month).

3. 3

   Set your investment period in years. The power of compounding means the same SIP amount grows dramatically with time — check the year-by-year schedule to see this effect. You can also set an Annual Step-up percentage to automatically increase your SIP by that % each year (e.g. 10% step-up means SIP rises from ₹10,000 to ₹11,000 after year 1, ₹12,100 after year 2, etc.).

4. 4

   Read the results: maturity value, total invested, wealth gained, wealth ratio (maturity ÷ invested), and the step-up SIP maturity if step-up is set. Switch to 'Goal Planner' tab to find how much monthly SIP you need to reach a target corpus. Use 'Rate Comparison' to see the same SIP at 3 different return rates side by side.

5. 5

   Toggle 'Show ↓' to see the year-by-year schedule table showing invested amount vs maturity value vs wealth gained for each year — and a step-up SIP column if step-up is set. Use the Share button to copy your results or download a snapshot image.

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