How is SIP maturity value calculated?

SIP maturity value is estimated by applying monthly compounding to a fixed monthly investment amount over the selected investment period.

Step-up SIP means increasing the monthly SIP amount every year, which can significantly boost the long-term investment corpus.

SIP Calculator

Calculate regular SIP, step-up SIP, and lumpsum growth using a clean return estimate built for Indian investors and long-term goal planning.

Monthly SIP (₹)

Expected Return (% p.a.)

Investment Period (Years)

Annual Step-Up (%)

Lumpsum Investment (₹)

Regular SIP uses a fixed monthly investment amount, while step-up SIP increases that amount every year by a chosen percentage.

SIP Future Value = Monthly Investment × Growth Factor over Total Months

Returns are projections, not guaranteed outcomes. Actual mutual-fund performance can be higher or lower than the estimate.

A step-up SIP increases your monthly investment every year by a fixed percentage, which can improve the final corpus over time.

It depends on timing, cash flow, and risk. SIP is often preferred for disciplined investing, while lumpsum works for available surplus.