Calculate SIP maturity value with monthly investment, expected return and duration. Step-up SIP, year-wise growth chart, instant results in ₹ lakh/crore.
How SIP returns are calculated
A Systematic Investment Plan (SIP) invests a fixed amount every month. Returns compound monthly, so early instalments grow the longest. With step-up, your contribution rises every year by a fixed percentage.
M = P × [((1+i)ⁿ − 1) / i] × (1+i), i = rate/12Frequently asked questions
Is SIP better than lumpsum?
SIP averages your buying price across market ups and downs (rupee-cost averaging), which suits regular income earners. Lumpsum can do better in steadily rising markets.
Are SIP returns guaranteed?
No. Mutual fund returns depend on the market. The rate you enter here is an assumption, not a promise.
What is a step-up SIP?
A step-up (top-up) SIP increases your monthly contribution every year by a fixed percentage, usually in line with salary growth. Even a 10% yearly step-up can significantly raise the final corpus.
Last updated: 7 July 2026
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For illustration only — not investment advice. FinMint · MintKit