| Year | Invested Amount | Estimated Returns | Market Value |
|---|
SIP Calculator – Calculate Returns on Monthly SIP Investments
The PlanMyReturns SIP Calculator helps you estimate how much wealth your Systematic Investment Plan (SIP) can generate over time based on your monthly investment, expected return, investment duration, and step-up strategy.
This calculator is designed for real-world SIP planning, not just basic estimates. It supports step-up SIP, multiple contribution frequencies, detailed charts, and a complete year-wise investment breakdown.
What Is SIP (Systematic Investment Plan)?
A Systematic Investment Plan (SIP) is a disciplined way of investing a fixed amount regularly in mutual funds. Instead of investing a large lump sum, you invest smaller amounts at regular intervals, helping you benefit from compounding and rupee cost averaging.
SIP is commonly used for:
- Long-term wealth creation
- Retirement planning
- Goal-based investing like buying a house or funding education
Why People Use a SIP Calculator
Most investors want answers to questions like:
- How much will my SIP be worth after 10, 15, or 20 years?
- How much wealth can I build by increasing my SIP every year?
- What difference does step-up SIP make?
- Is monthly SIP better than yearly investment?
- How much return will I earn versus what I invest?
This SIP calculator is built to answer those questions clearly.
What This SIP Calculator Shows You
Using this calculator, you can see:
- Total amount invested through SIP
- Estimated returns earned
- Final portfolio value
- Wealth growth chart over time
- Invested amount vs market value comparison
- Year-wise SIP schedule
- Impact of step-up contributions
- Effect of different contribution frequencies
All values are indicative and meant for planning purposes.
SIP Inputs You Can Customize
Monthly Investment Amount
Enter the amount you plan to invest regularly through SIP.
Investment Duration
Choose how many years you want to continue your SIP.
Expected Annual Return
Set the expected annual rate of return based on your mutual fund type.
Advanced SIP Options
This calculator supports advanced features that many SIP calculators do not.
Step-Up SIP (Annual Increase)
You can enable annual step-up, which increases your SIP amount every year by a fixed percentage.
Why this matters:
As income grows, increasing SIP contributions significantly boosts long-term wealth.
Example:
- Starting SIP: ₹5,000 per month
- Step-up: 10% every year
- Result: Much higher corpus compared to fixed SIP
Contribution Frequency Options
You can choose how often you invest:
- Monthly
- Quarterly
- Half-yearly
- Yearly
The calculator adjusts contribution timing and applies compounding correctly based on the selected frequency.
How SIP Returns Are Calculated
SIP returns are calculated using monthly compounding, which reflects how mutual funds actually work.
Each contribution earns returns for a different duration depending on when it is invested. The calculator simulates contributions month by month for accuracy.
This makes the results more realistic than simple formula-based calculators.
SIP Example
Suppose you invest ₹5,000 per month for 10 years at an expected return of 12%.
- Total investment: ₹6,00,000
- Estimated portfolio value: ~₹11.6 lakh
- Estimated returns: ~₹5.6 lakh
If you add a 10% annual step-up, the final value increases significantly, even though your starting SIP stays the same.
SIP with Step-Up vs SIP without Step-Up
| Feature | Regular SIP | Step-Up SIP |
|---|---|---|
| Monthly amount | Fixed | Increases yearly |
| Total investment | Lower | Higher |
| Final value | Lower | Much higher |
| Best for | Flat income | Growing income |
Wealth Growth Chart Explained
The wealth growth chart shows:
- How your invested amount grows every year
- How compounding accelerates returns over time
- The gap between invested amount and market value
This visual makes it easier to understand why long-term SIP investing works.
SIP Year-Wise Breakdown
The yearly schedule shows:
- Year
- Total invested amount till that year
- Returns earned
- Market value at the end of each year
This helps you track progress and set realistic expectations.
How to Use the PlanMyReturns SIP Calculator
- Enter monthly SIP amount
- Choose investment duration
- Set expected annual return
- Enable step-up if required
- Select contribution frequency
- Click Calculate
You can:
- Share your SIP plan via link
- Download year-wise data as CSV
- Share a result image
SIP vs Other Investment Options
SIP vs Lump Sum
| Feature | SIP | Lump Sum |
|---|---|---|
| Investment style | Periodic | One-time |
| Market timing risk | Low | High |
| Discipline | High | Depends on investor |
SIP vs Fixed Deposit
| Feature | SIP | FD |
|---|---|---|
| Returns | Market-linked | Fixed |
| Inflation protection | Better | Poor |
| Liquidity | High | Medium |
Who Should Use This SIP Calculator
- New investors starting SIPs
- Investors planning long-term goals
- People comparing step-up vs regular SIP
- Users tracking wealth growth over time
Why PlanMyReturns SIP Calculator
- Supports step-up SIP
- Multiple contribution frequencies
- Accurate month-by-month simulation
- Visual charts and breakdowns
- Shareable and downloadable plans
- Mobile-friendly and fast
frequently asked questions
No. SIP returns depend on market performance.
Yes, if your income increases over time.
Yes. SIP works best over long durations due to compounding.