NumberTally SIP Calculator
Estimate the maturity value of a Systematic Investment Plan (SIP) — the regular monthly investment into mutual funds that millions of Indian investors use to build wealth. Includes an optional annual step-up that grows your SIP as your income grows.
Increase your monthly SIP by this % every year. 0 = fixed SIP.
How SIP compounding works
A SIP invests a fixed amount every month, so each instalment gets its own compounding runway. The earliest payments do the heaviest lifting: a rupee invested in year 1 compounds for the full period, while a rupee invested in the final year barely grows. That is why starting a SIP a few years earlier usually beats investing a larger amount later.
The calculator assumes each monthly payment is made at the start of the month and grows at one-twelfth of the annual return. Real mutual fund returns are never this smooth — the projection is an illustration of what a constant return would produce, not a prediction.
What the step-up option does
Most people's income rises over time, so a fixed SIP becomes a shrinking share of earnings. A step-up SIP raises your monthly investment by a fixed percentage each year — for example, 10% annually turns a ₹10,000 monthly SIP into ₹11,000 in year 2, ₹12,100 in year 3, and so on. Because the larger payments still get years of compounding, even a modest step-up can add lakhs to the final corpus.
Try 0% versus 10% above and compare the maturity values — the difference is the reward for letting your investments grow alongside your salary.
Frequently Asked Questions
What is a SIP?
A Systematic Investment Plan is a way to invest a fixed amount in a mutual fund at regular intervals — usually monthly. It enforces discipline, averages out market ups and downs (rupee cost averaging), and is the most popular way Indian investors build long-term wealth.
Is the 12% return guaranteed?
No. The calculator assumes a constant return purely for illustration. Equity mutual funds have historically delivered strong long-term returns in India, but markets fluctuate and any single 10-year period can differ widely from the average. Treat the result as a scenario, not a promise.
How does a step-up SIP work?
Each year your monthly instalment rises by the step-up percentage: year 1 invests ₹10,000/month, year 2 invests ₹11,000/month at a 10% step-up, and so on. The year-by-year table above shows the exact monthly amount for every year of your plan.
Are SIP gains taxed?
Yes — mutual fund gains in India are subject to capital gains tax, and the rates and holding-period rules change from time to time. This calculator shows pre-tax maturity value. Check the current rules or ask a tax advisor before planning around the final number.
Does this include fund expenses?
No. Every mutual fund charges an expense ratio that reduces your effective return. For a rough adjustment, subtract the fund's expense ratio from the expected annual return before calculating.
Is my data sent anywhere?
No. All calculations run entirely in your browser — your investment amounts never leave your device, and nothing is stored on any server.