Wealth Creation Tool

SIP Calculator

Calculate returns on your Systematic Investment Plan with step-up options

Investment Details

Currency

Monthly Investment (USD)

Investment Period (years)

Expected Return Rate (% p.a.)

Annual Step-up (%)

Increase your SIP amount annually by this percentage

SIP Projection

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Enter your SIP details to calculate projected returns

Example Calculation:

$5,000/month for 10 years at 12% return

Invested: $600,000 → Future Value: $1,160,000

Common SIP Scenarios

Conservative Investor

8% returns, 0% step-up

$5,000/month for 10Y:$920,000

$10,000/month for 15Y:$3,470,000

XIRR:8% p.a.

Moderate Investor

12% returns, 10% step-up

$5,000/month for 10Y:$1,580,000

$10,000/month for 15Y:$11,000,000

XIRR:12% p.a.

Aggressive Investor

15% returns, 15% step-up

$5,000/month for 10Y:$2,240,000

$10,000/month for 20Y:$58,000,000

XIRR:15% p.a.

Frequently Asked Questions

How does SIP investment work?

SIP (Systematic Investment Plan) allows you to invest a fixed amount regularly (usually monthly) in mutual funds. It helps in rupee cost averaging - you buy more units when prices are low and fewer when prices are high.

What is a good return rate for SIP?

Equity mutual funds have historically delivered 12-15% annual returns over 10+ years. For calculations, use 12% for equity funds, 8% for hybrid funds, and 6% for debt funds as reasonable estimates.

What is step-up SIP?

Step-up SIP automatically increases your investment amount annually by a fixed percentage (e.g., 10%). This helps align investments with salary growth, accelerating wealth creation.

Ready to Start Your Investment Journey?

Adjust your investment parameters to explore different scenarios

Note: This calculator provides estimates. Mutual fund investments are subject to market risks.