📈 SIP Calculator
Calculate returns on Systematic Investment Plan (SIP), Lump Sum, and Step-Up SIP investments.
📊 Year-wise Growth
| Year | Invested (₹) | Value (₹) | Returns (₹) | XIRR |
|---|
How to Use the SIP Calculator
- Enter your monthly SIP amount
- Set expected annual return rate (12% is historical average for equity mutual funds)
- Choose investment period using the slider
- View total corpus, returns, and year-wise growth table
Frequently Asked Questions
What is a good SIP return rate to assume?
For equity mutual funds, 10-14% p.a. is a reasonable long-term assumption. Debt funds typically return 6-8%. Use 12% as a conservative estimate for equity.
What is Step-Up SIP?
Step-Up SIP increases your monthly investment by a fixed % each year. If you start with ₹5,000 and step up 10% annually, year 2 becomes ₹5,500, year 3 ₹6,050, etc. This dramatically increases your final corpus.
Is SIP better than Lump Sum?
SIP averages out market volatility through rupee cost averaging. Lump sum works better when markets are at a low. For salaried investors, SIP is generally recommended.
Are SIP returns taxable?
Equity fund gains held over 1 year: 10% LTCG above ₹1L. Short-term (under 1 year): 15% STCG. Debt fund gains: taxed as per income slab.