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Your Investment Details
₹25,00,000
₹1L₹2.5Cr₹5Cr
₹0
₹0₹25L₹50L
12%
6%15%30%
10 Years
1 Yr20 Yrs40 Yrs
🚀 Annual Step-Up SIP
Increase your monthly SIP by a fixed % every year
10%
1%15%30%
Your SIP Result
Required Monthly SIP
₹12,450
Invest this amount every month
Total Invested
₹14.94L
Wealth Gained
₹10.06L
Goal Amount
₹25L
Returns %
67.3%
67%
Gain
Total Invested
Wealth Gained
📈 Year-by-Year Wealth Growth
Visualize how your wealth compounds over the selected investment period.
📋 Detailed Year-Wise Breakup
Track your invested amount, returns, and total corpus every single year.
🎯
What is a Target-Based SIP?
It works backwards. You enter your goal amount, and it tells you exactly how much SIP you need to invest monthly to reach it within your chosen timeframe.
📈
Power of Step-Up SIP
Increasing your SIP by even 10% every year reduces your initial required monthly investment. As your income grows, your wealth creation accelerates.
💡
Why Mutual Fund SIP?
SIP harnesses compounding, rupee cost averaging, and professional fund management, making it one of the best ways to build long-term wealth.
❓ Top 10 Frequently Asked Questions
Everything you need to know about planning your SIP targets.
The calculator uses the future value of annuity formula. For a regular SIP, it computes the monthly installment (PMT) needed so that your investments grow to the target at the given rate. For step-up SIP, it iteratively adjusts for the annual increment using an advanced algorithm.
Return expectations depend on the asset class. Conservative investors in debt funds may use 7–9%, moderate investors in balanced funds 10-12%, and aggressive investors in pure equity mutual funds generally assume 12–15% CAGR for horizons over 7-10 years. Past returns do not guarantee future performance.
Use the "Existing Investment" slider to enter any lump sum amount you already have saved for this specific goal. The calculator automatically calculates the future compounded value of this amount and deducts it from your final goal, significantly reducing your required monthly SIP.
A Step-Up SIP allows you to increase your monthly investment by a fixed percentage annually (e.g., matching your annual salary hike). If you start with ₹10,000 and step up by 10%, next year your SIP becomes ₹11,000. It dramatically reduces the initial financial burden while ensuring you reach huge goals faster.
This calculator provides a mathematically accurate projection based on a constant rate of return. However, mutual funds are market-linked and do not provide linear, constant returns every year. It is an excellent planning tool, but actual end amounts will vary due to market volatility.
Yes, absolutely! Mutual fund SIPs are completely flexible. You can pause, modify, or stop your SIP at any time without any penalties. Your accumulated corpus remains invested and continues to grow even if you stop making new contributions.
Yes. For Equity Mutual Funds, gains on units held for more than a year are subject to Long Term Capital Gains (LTCG) tax (currently 10% on gains exceeding ₹1 Lakh per financial year). Units held for less than a year attract Short Term Capital Gains (STCG) tax at 15%. Note that each SIP installment is treated as a separate investment for tax purposes.
No. Because mutual fund returns are linked to the stock and bond markets, there are no guaranteed returns. It's recommended to review your portfolio annually and adjust your SIP amount up or down based on actual market performance to ensure you hit your target.
Definitely. As your income grows and inflation rises, your lifestyle and financial goals also expand. Utilizing a Step-Up SIP (increasing your investment by 5-10% every year) combats inflation and creates a much larger retirement or goal corpus.
It's easy! Click the "Start My SIP Now" button on this page. The entire process is 100% online, paperless, and takes less than 5 minutes once your KYC is complete. You can begin investing with amounts as small as ₹500 per month.
