Investment Details
Amount you invest every month
₹
₹500₹2L
12%
5%30%
10 Yrs
1 Yr40 Yrs
🚀 Step-Up SIP
Increase your SIP amount every year
0%
Total Wealth Created
Future Value of Investment
₹0
After 10 years
Total Invested
₹0
Est. Returns
₹0
Invested Amount
Wealth Gained
📈 Year-by-Year Wealth Accumulation
Visualize how the magic of compounding accelerates your wealth over time.
📋 Detailed Year-Wise Breakup
Track your total deposits and the cumulative returns earned by the end of each year.
🌱
Power of Compounding
Compounding earns returns not just on your initial principal, but also on the accumulated interest from previous periods, causing wealth to snowball.
⚖️
Rupee Cost Averaging
By investing a fixed amount regularly, you buy more units when markets are low and fewer when markets are high, lowering your average cost per unit.
⏰
Discipline Pays Off
SIPs enforce financial discipline. By automating your investments, you remove emotion from the equation and stay committed to long-term wealth creation.
❓ Top 10 SIP (Systematic Investment Plan) FAQs
Everything you need to know about starting and managing your SIP.
SIP stands for Systematic Investment Plan. It is a facility offered by mutual funds that allows you to invest a fixed amount regularly (monthly, quarterly) rather than making a one-time lump sum investment.
Our calculator uses the future value of annuity formula. It takes your monthly investment, estimated return rate, and time period, and calculates how much your investment will grow, accounting for monthly compounding.
Compounding is earning interest on interest. In an SIP, the returns you earn are reinvested along with your principal. Over long periods (10+ years), this exponential growth can turn relatively small monthly investments into massive wealth.
SIP is generally better for most people as it eliminates the need to "time the market" and averages out the purchase cost. Lumpsum is suitable only if you have a large chunk of idle money and a very long investment horizon.
A Step-Up (or Top-Up) SIP is a feature where you increase your monthly investment amount by a fixed percentage or amount every year. It aligns your investments with your annual salary increments and helps you reach your goals much faster.
Yes, mutual fund SIPs are completely flexible. There are no penalties for stopping, pausing, or modifying your SIP amount. The money you have already invested remains invested and continues to earn returns.
No, mutual funds invest in market-linked instruments (stocks, bonds), so returns are not fixed or guaranteed. However, historically, equity mutual funds have delivered inflation-beating returns (12-15% CAGR) over long periods (7+ years).
In Equity mutual funds, every SIP installment is treated as a separate investment. Units held for > 1 year attract Long-Term Capital Gains (LTCG) tax at 12.5% (above ₹1.25 Lakh profit per year). Units held < 1 year attract Short-Term Capital Gains (STCG) tax at 20%. Debt fund returns are taxed as per your income tax slab.
Yes. While you cannot technically "edit" a running SIP mandate in some platforms, you can simply stop the existing SIP and start a new one with the desired amount in the same mutual fund folio.
It's simple and paperless. Click "Start Investing Today", complete your KYC (if not done), choose an expert-recommended mutual fund based on your goals, and set up a bank mandate for automatic monthly deductions.
