SIP Calculator
Plan your mutual-fund investments five ways: a plain SIP, a step-up SIP, an SWP withdrawal plan, the SIP needed for a goal, and lumpsum vs SIP — each with a growth chart. Calculated in your browser.
How these SIP calculations work
Each monthly SIP instalment compounds until maturity, so the future value is
FV = P × [((1+i)^n − 1) / i] × (1+i) — P is the monthly amount, i the monthly
return (annual ÷ 12) and n the number of instalments. A step-up SIP raises P each year; an SWP
withdraws from a corpus that keeps earning; goal mode solves the formula for P; and the comparison mode
puts a one-time lumpsum against a SIP of the same total. Returns are assumed constant for illustration —
real market returns vary year to year.
FAQ
How is SIP maturity value calculated?
A SIP is a series of monthly investments that each compound until maturity. The future value uses FV = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly amount, i is the monthly rate (annual return ÷ 12) and n is the number of instalments. This calculator applies that formula and charts invested amount versus value.
What is a step-up (top-up) SIP?
A step-up SIP increases your monthly contribution by a fixed percentage every year — for example 10% a year. Because later instalments are larger, the maturity value is meaningfully higher than a flat SIP for the same starting amount.
What is an SWP?
A Systematic Withdrawal Plan (SWP) does the reverse of a SIP: you invest a lump sum and withdraw a fixed amount every month while the balance keeps earning returns. The calculator shows how long the corpus lasts and the balance remaining each year.
How much SIP do I need for a goal?
Goal-based mode works backwards from a target corpus, expected return and time horizon to the monthly SIP required. It solves the SIP formula for P so the maturity value matches your goal.
Is lumpsum better than SIP?
It depends on markets and cash flow. Lumpsum invests the whole amount at once and benefits fully if markets rise from day one; SIP spreads investment over time and averages the purchase cost. The comparison mode shows both outcomes for the same total invested.
For education and planning only — not investment advice. Returns are assumptions, not guarantees; mutual fund investments are subject to market risk. Confirm any plan with a qualified financial adviser.