SIP Calculator.
Calculate compounding returns of your Systematic Investment Plan (SIP) in mutual funds. Adjust monthly contributions, interest rate, duration, and set annual step-up values.
Innocent Investor SIP Report
Generated on 21/6/2026
📈 SIP Returns Scenario
Compounding Leverage: Over 15 years, your total maturity value increases to ₹50,45,760. Compounded earnings account for 64% of your total corpus.
Compounding Milestones
| Horizon | Invested | Wealth Gain | Total Value |
|---|---|---|---|
| Year 1 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| Year 5 | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 |
| Year 10 | ₹12,00,000 | ₹11,23,391 | ₹23,23,391 |
| Year 15 | ₹18,00,000 | ₹32,45,760 | ₹50,45,760 |
What is a Systematic Investment Plan (SIP)?
A Systematic Investment Plan (SIP) is an investment channel provided by mutual funds, allowing you to invest a fixed amount of money regularly (e.g., weekly, monthly, or quarterly) into a chosen scheme, rather than making a one-time lump-sum deposit. It helps instil financial discipline and leverages rupee cost averaging.
How SIP Compounding Works
When you set up an SIP, your capital buys units of the mutual fund at the current Net Asset Value (NAV). If the market goes down, your fixed monthly amount buys *more* units; if the market goes up, it buys *fewer* units. Over long horizons, this averages out the cost of acquisition, protecting you from having to "time the market."
The Power of Step-Up SIP
A **Step-Up SIP** or Top-up SIP allows you to increase your monthly investment amount by a fixed percentage (e.g., 10%) every year, matching your salary hikes. Stepping up your investments significantly amplifies the speed of wealth compounding, reducing the years needed to reach financial retirement targets.
Formula for SIP Future Value
FV = P × [ ((1 + i)^n - 1) / i ] × (1 + i)