SIP Calculator
Estimate the maturity value of your Systematic Investment Plan, the wealth you create, and your returns. Expand advanced options for step-up and inflation, and compare how different monthly SIPs grow.
Guide
A Systematic Investment Plan (SIP) is a method of investing a fixed amount at regular intervals — typically every month — rather than committing a large sum all at once. Each contribution buys into your chosen investment and then compounds over time, so a modest, consistent monthly habit can grow into a substantial corpus over the long term.
Because you invest across market ups and downs, a SIP naturally averages your purchase cost and removes the pressure of trying to time the market. Pair that with an annual step-up — increasing your contribution as your income grows — and the compounding effect becomes even more pronounced.
Why it works
A fixed monthly contribution turns investing into a habit and removes the temptation to time the market.
Investing the same amount regularly buys more units when prices are low and fewer when high, smoothing your average cost.
Returns earned start earning their own returns. Over long horizons, compounding typically contributes the majority of the final corpus.
Raising your SIP each year in line with income lets the additional capital compound for the remaining horizon and lifts the outcome materially.
You can start small and scale up over time, making long-term wealth creation accessible from a modest monthly amount.
SIPs map naturally to long-term goals — retirement, a home, education — where time in the market matters more than timing it.
Illustration
A ₹10,000 monthly SIP with a 10% annual step-up at an assumed 12% return — the default scenario above. Figures are illustrative, not guaranteed.
| Year | Total Invested | Est. Corpus | Returns |
|---|---|---|---|
| 5 | ₹7,32,612 | ₹9,69,179 | ₹2,36,567 |
| 10 | ₹19,12,491 | ₹32,68,898 | ₹13,56,408 |
| 15 | ₹38,12,698 | ₹82,74,718 | ₹44,62,020 |
| 20 | ₹68,73,000 | ₹1,86,31,383 | ₹1,17,58,383 |
The difference
Goal planning
Monthly SIP required to reach each target at an assumed 12% annual return. These are engine-generated estimates.
At 12% p.a., you need approximately ₹21,000/month for 15 years, ₹10,900/month for 20 years, ₹5,900/month for 25 years.
At 12% p.a., you need approximately ₹1,05,100/month for 15 years, ₹54,400/month for 20 years, ₹29,400/month for 25 years.
At 12% p.a., you need approximately ₹2,10,100/month for 15 years, ₹1,08,700/month for 20 years, ₹58,700/month for 25 years.
Explore
Jump to any of the ArthVeda wealth calculators — each powered by the same projection engine.
Knowledge
Common questions about SIPs, step-up SIPs, returns, inflation, and long-term planning.
A Systematic Investment Plan is a disciplined way to invest a fixed amount at regular intervals — usually every month — instead of investing a large sum at once. It encourages consistency, averages your purchase cost over time, and lets long-term compounding do the heavy lifting.
The calculator compounds your monthly SIP on a monthly basis at the annual return you assume, optionally increasing the contribution each year with a step-up. It then projects your invested capital, estimated corpus, and returns for every year of the horizon, and can show the result in today's purchasing power when inflation adjustment is enabled.
A step-up SIP raises your monthly contribution every year — for example by 10% — typically in line with income growth. Because each increase compounds for the remaining years, a step-up can grow the final corpus substantially compared with a flat SIP of the same starting amount.
It depends on the return, the horizon, and any step-up. With a 10% annual step-up and a 12% assumed return over 20 years, a ₹10,000 starting SIP can grow into a multiple of the capital you actually invest — adjust the inputs above to see your own projection update instantly.
There is no single correct figure. Many long-term equity investors model conservative and optimistic scenarios — for example 10% and 12% per annum — and compare the outcomes. You can change the return rate freely and watch the projection recalculate in real time.
They serve different needs. A SIP suits investors building wealth from regular income and helps average market entry points, while a lumpsum puts capital to work immediately when you have it. This studio lets you combine both, so you can compare and blend the two strategies.
Inflation erodes the future purchasing power of money. When inflation adjustment is enabled, the calculator shows both the nominal corpus and its real (present-day) value, so you can see what your projected SIP wealth is genuinely worth at the end of the horizon.
Yes. In practice SIPs are flexible — you can increase, pause, or stop contributions. In the calculator you can model this by adjusting the monthly SIP, the step-up, and the SIP Stop Year to reflect when contributions end while the corpus keeps compounding.
No. SIP returns depend on the performance of the underlying investments, which vary year to year. The projections here are deterministic illustrations based on the constant assumptions you provide; treat them as a planning baseline, not a guarantee of future results.
Taxation depends on the type of fund and your holding period, and rules change over time. This calculator projects pre-tax growth for planning purposes only and does not compute tax. Consult a qualified tax or financial professional for advice specific to your situation.