See what a regular monthly investment could become — with the power of compounding, and an optional yearly step up as your income rises.
| Year | Invested so far | Value |
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A Systematic Investment Plan (SIP) is simply a way of investing a fixed amount into a mutual fund at regular intervals — usually every month. Instead of trying to time the market, you invest steadily, and two powerful forces work in your favour over time: rupee cost averaging and compounding.
Because you invest the same amount every month, you automatically buy more units when prices are low and fewer when prices are high. Over many months this averages out your purchase price and takes the stress of "is now a good time?" out of investing.
The returns your investment earns start earning returns of their own. Early on the growth looks modest, but over long periods it accelerates dramatically. This is why the single most important ingredient in investing is time — starting earlier usually matters more than investing larger amounts later.
A step-up (or top-up) SIP increases your monthly investment by a set percentage each year, often in line with your salary growth. Try adding even a 10% step-up in the calculator above and watch how much larger the final corpus becomes — the effect is striking over long horizons.
Mutual fund returns are market-linked and are not guaranteed. Some years are negative. Historically, diversified equity funds in India have often delivered roughly 10–12% over long periods, while debt funds are lower and steadier. Use a conservative figure when planning, invest for the long term, and remember that past performance never guarantees future results. This tool is for planning and education only, and is not investment advice — for decisions that matter, speak to a SEBI-registered advisor.
A Systematic Investment Plan (SIP) is a way of investing a fixed amount into a mutual fund at regular intervals — usually every month. Instead of timing the market, you invest steadily, which averages out your buying price over time and lets compounding work in your favour.
It compounds each monthly contribution at your expected annual return, month by month, for the full period. Contributions are assumed to be invested at the start of each month. If you add a yearly step up, the monthly amount increases by that percentage every year.
No. Mutual fund returns are market linked and vary year to year — some years are negative. This tool shows an estimate based on a constant return you choose, which is useful for planning but is not a promise of future performance.
It depends on the fund type and your horizon. Historically, diversified equity funds in India have often delivered roughly 10–12% over long periods, while debt funds are lower. Use a conservative figure for planning, and remember past performance doesn't guarantee future results.
A step up (or top up) SIP raises your monthly investment by a set percentage each year — for example 10% — usually in line with salary growth. Even a small step up can dramatically increase the final corpus, as you can see by changing the step up field above.