| Year | Invested | Returns | Value |
|---|
Our SIP calculator India works for every major mutual fund. Click any fund to load its typical historical return rate into the calculator instantly.
SBI Bluechip Fund, SBI Small Cap, SBI Contra — avg 12–16% over 10 years. Our SBI SIP calculator and SIP calculator SBI use 14% as the historical average.
HDFC Flexi Cap, HDFC Mid-Cap Opportunities, HDFC Top 100 — historically 11–15% over 10+ years. Use 13% for conservative HDFC SIP calculator estimates.
Groww platform offers 5,000+ funds. Top-performing small-cap and mid-cap funds on Groww have delivered 15–20%. Use 12–15% for our Groww SIP calculator.
ICICI Prudential Bluechip, ICICI Value Discovery — among the top-performing large-cap and value funds. ICICI SIP calculator average: 12–15% over 10 years.
Our free SIP calculator online is more complete than the sarmaaya.pk SIP calculator and KASB SIP tool — because it offers four modes: monthly SIP, step-up SIP calculator, daily SIP calculator, and lumpsum SIP calculator combined, all with year-wise growth tables and donut chart visualization. Whether you are planning your systematic investment plan SIP calculator for retirement, education, or wealth building, this tool gives you the complete financial picture in seconds — free, no signup required.
A SIP calculator (Systematic Investment Plan calculator) estimates how much wealth you will accumulate through regular, periodic investments in mutual funds. You enter three inputs — monthly investment, expected annual return rate, and investment duration — and the SIP calculator formula computes the maturity amount, total wealth gained, and the power of compounding over time. Our India SIP calculator and SIP calculator India are designed for Indian investors using rupee amounts and Indian fund return benchmarks, but it works for any currency or region — including the SIP calculator USA for investors using USD-based index funds or ETFs, where the SIP calculator USA mode simply uses dollar amounts and US market return rates (7–10% for S&P 500 index funds).
The standard SIP calculator formula for monthly investments is:
M = P × [(1+r)^n − 1] ÷ r × (1+r)
Where: M = Maturity Amount, P = Monthly SIP amount, r = Monthly interest rate (Annual Rate ÷ 12 ÷ 100), n = Total number of months (Years × 12).
SIP: ₹5,000/month · Rate: 12% p.a. · Period: 10 years
r = 12 ÷ 12 ÷ 100 = 0.01 · n = 10 × 12 = 120 months
M = 5,000 × [(1.01)^120 − 1] ÷ 0.01 × 1.01
M = 5,000 × [3.3004 − 1] ÷ 0.01 × 1.01
M = 5,000 × 2.3004 ÷ 0.01 × 1.01
M = ₹11,61,695 Maturity Amount
Total Invested = ₹5,000 × 120 = ₹6,00,000
Wealth Gained = ₹11,61,695 − ₹6,00,000 = ₹5,61,695
A step-up SIP calculator (also called step up SIP calculator India, top-up SIP calculator, or SIP with step-up) calculates returns when you increase your SIP amount by a fixed percentage every year. As your salary grows, you should grow your SIP — this is the core idea. For example, if you start with ₹5,000/month and increase by 10% every year: Year 1: ₹5,000, Year 2: ₹5,500, Year 3: ₹6,050, Year 10: ₹11,789/month. Our step-up SIP calculator India and SIP calculator with step up mode shows the dramatic difference this makes — often building 2x more wealth than a fixed SIP over 20 years.
A common question is: how much SIP should I do? Use the 50-30-20 rule: invest 20% of your net monthly income in SIPs. For ₹50,000 monthly income → ₹10,000/month SIP. Use our mutual fund SIP calculator to work backwards from a target goal:
| Goal | Target Amount | Duration | SIP Needed (12%) |
|---|---|---|---|
| Emergency Fund | ₹5 Lakh | 3 years | ₹11,600/month |
| Car Purchase | ₹10 Lakh | 5 years | ₹12,200/month |
| Child Education | ₹50 Lakh | 15 years | ₹9,929/month |
| 1 Crore Corpus | ₹1 Crore | 20 years | ₹10,037/month |
| Retirement | ₹5 Crore | 30 years | ₹14,214/month |
All SIP calculator tools — whether it is the SBI SIP calculator, HDFC SIP calculator, Groww SIP calculator, ICICI SIP calculator, or Motilal Oswal SIP calculator — use the exact same SIP formula. The only difference is the expected return rate, which reflects each fund's historical performance. Our SIP calculator online is equivalent to all of them — simply enter the relevant fund's historical return rate using the Fund Preset buttons or by typing it manually.
The daily SIP calculator is for investors who prefer small daily investments (as low as ₹100/day). Mathematically, daily SIP and monthly SIP produce nearly identical results over long durations (the difference is less than 0.1% annually), because the compounding frequency advantage of daily investing is negligible over 10+ years. Monthly SIP is easier to track and manage. However, if your app (like Groww or Paytm Money) offers daily SIP and you prefer the discipline of daily savings, use our daily SIP calculator to see the projected corpus.
SIP planning tip: Start your SIP as early as possible — even ₹1,000/month at age 25 beats ₹3,000/month starting at age 35 (all else equal at 12%). The extra 10 years of compounding on the smaller amount generates more wealth. This is the core insight of our systematic investment plan SIP calculator — time in market beats amount invested.
Covering what is SIP calculator, how to use SIP calculator, step-up SIP, SIP formula, and how much SIP should I do.
A SIP calculator (Systematic Investment Plan calculator) is a free online tool that estimates how much your mutual fund SIP investments will grow over time. You enter three inputs: monthly SIP amount, expected annual return rate, and investment duration. The SIP calculator uses the compound interest formula to compute: maturity amount (total corpus), total amount invested, wealth gained (returns), and year-wise growth. Our SIP calculator India also includes step-up SIP, daily SIP, and lumpsum+SIP modes for comprehensive planning.
The SIP calculator formula is: M = P × [(1+r)^n − 1] ÷ r × (1+r). Where M = Maturity Amount, P = Monthly SIP, r = Monthly rate (Annual Rate ÷ 12 ÷ 100), n = Total months (Years × 12). Example: ₹10,000/month, 12% p.a., 15 years: r = 0.01, n = 180. M = 10,000 × [(1.01)^180 − 1] ÷ 0.01 × 1.01 = ₹50,45,760. Total invested = ₹18,00,000. Wealth gained = ₹32,45,760. Our SIP calculator formula implementation matches all major fund platforms including Groww, SBI, HDFC, and ICICI.
A step-up SIP calculator computes returns when you increase your SIP amount by a fixed percentage every year (matching your income growth). For example, ₹5,000/month with 10% annual step-up: Year 1: ₹5,000, Year 2: ₹5,500, Year 3: ₹6,050, Year 5: ₹7,321, Year 10: ₹11,789/month. After 20 years at 12% return: a fixed SIP gives ₹49.9L, but the step-up SIP calculator India shows ₹1.01 crore — more than double! Select "Step-Up SIP" mode in our SIP calculator with step up tool (the most powerful mode in our step up SIP calculator) and enter your annual increment percentage (typically 10–15% matching salary hikes).
To use our SIP calculator online: 1) Select mode (Monthly, Step-Up, Daily, or Lumpsum+SIP). 2) Enter monthly SIP amount (e.g. ₹5,000). 3) Choose expected return rate — use preset buttons for SBI (14%), HDFC (13%), Groww (15%), or Equity Average (12%). 4) Set investment duration in years using the slider. 5) For step-up SIP calculator, also enter your annual step-up percentage. 6) Click Calculate. Results show maturity amount, total invested, wealth gained, donut chart, and year-wise growth table. The calculator matches Groww SIP calculator, SBI SIP calculator, and HDFC SIP calculator results exactly when using the same input values.
Using our SIP calculator at 12% annual return: To reach ₹1 crore in 10 years: need ₹43,470/month SIP. In 15 years: ₹20,017/month. In 20 years: ₹10,037/month. In 25 years: ₹5,321/month. In 30 years: only ₹2,857/month! The power of compounding means the longer your investment horizon, the smaller the monthly SIP needed. Use the mutual fund SIP calculator above to find exactly how much SIP you need for any goal — set a target and adjust the duration to find the right monthly amount for your budget.
Yes — all SIP calculators (whether SIP calculator Groww, SIP calculator SBI, HDFC SIP calculator, or Motilal Oswal SIP calculator) use the exact same mathematical formula. The results differ only based on the expected return rate you enter. Our India SIP calculator gives identical results to all these platforms — including SIP calculator Groww and SIP calculator SBI — when given the same inputs. The key variable is the return rate — SBI equity funds have historically returned 12–16%, HDFC 11–15%, Groww top funds 14–18%. Always use the specific fund's past 10-year CAGR as your expected rate — past performance is not guaranteed but is the best available estimate.