SIP Calculator
Plan systematic investment returns with step-ups, bulk top-ups, and realistic return assumptions. Model exactly how your wealth grows.
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Step-Up SIP vs Flat SIP: 20-Year Corpus Comparison
Starting SIP ₹10,000/month, 12% CAGR, 20 years. Step-up = annual hike applied each year on the prior year's amount.
| Strategy | Total invested | Final corpus | Wealth gain |
|---|---|---|---|
| Flat SIP (no step-up) | ₹24.0 lakh | ₹99.9 lakh | ₹75.9 lakh |
| Step-up 5% / year | ₹39.7 lakh | ₹1.45 crore | ₹1.05 crore |
| Step-up 10% / year | ₹68.7 lakh | ₹2.27 crore | ₹1.58 crore |
| Step-up 10% + ₹1L bonus / year | ₹88.7 lakh | ₹2.99 crore | ₹2.10 crore |
Increasing your SIP in line with your salary is the single biggest lever for wealth creation. Run your own scenario above.
Goal-Based SIP Targets (Quick Reference)
| Goal | Horizon | Required SIP @ 12% |
|---|---|---|
| ₹50 lakh (down payment / car) | 10 years | ~₹21,800/month |
| ₹1 crore (kid's education) | 15 years | ~₹20,000/month |
| ₹2 crore (early retirement) | 20 years | ~₹20,200/month |
| ₹5 crore (FIRE) | 25 years | ~₹26,500/month |
Use the calculator above to dial in your exact monthly SIP for any target corpus and horizon.
Frequently Asked Questions
A Step-Up SIP increases your monthly investment by a fixed percentage every year. A ₹10,000 SIP with a 10% annual step-up grows to ₹25,937/month by Year 10. Over 20 years at 12% returns, that step-up adds over ₹1.5 crore to your corpus compared to a flat SIP.
A one-time top-up at Year 5 compounds for the remaining tenure just like your original investment. Enter your bonus, tax refund, or windfall amount here and see exactly how much it adds to your final corpus at maturity.
Diversified equity mutual funds have historically returned 12 to 15% CAGR over 10+ year periods in India. Use 12% for a conservative projection, 15% for optimistic, and run both to know your realistic range before committing.