SIP Calculator - Systematic Investment Plan & Step-Up SIP India
RupeeSIP INDIA
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Power of Compounding & Rupee Cost Averaging

Build Wealth Systematically with Smart SIP Calculator

Project your mutual fund wealth growth, test annual Step-Up SIP increments, and plan your long-term financial freedom goals in Rupees.

Monthly SIP Parameters INR (₹) Format

₹
₹500 ₹2.5 Lakhs ₹5 Lakhs
%
1% 12% (Equity MF Avg) 30%
Yrs
1 Year 15 Years 40 Years

Increase SIP amount yearly

Compounded monthly based on annual expected returns

Total Invested Amount

₹0

0 Lakhs

Est. Wealth Returns

₹0

0 Lakhs

Maturity Corpus

₹0

0 Lakhs

Wealth Growth Trajectory

Visualizing invested capital vs estimated wealth gains

Yearly Wealth Growth Schedule

Year-by-year accumulation of capital invested, annual return gains, and total valuation

Year Opening Corpus Yearly Invested Cumulative Invested Estimated Return Gains End Balance
Wealth Comparison

Equity SIP vs Bank Recurring Deposit (RD)

Discover how regular compounding in market-linked instruments outperforms traditional savings options in India.

Higher Wealth Creation

Equity Mutual Fund SIP

Market-linked monthly investment

  • Historical Returns: 12% - 15% long-term annualized CAGR on broad market indices (Nifty 50 / Sensex).
  • Rupee Cost Averaging: Automatically buys more units during market dips, lowering average cost per unit.
  • Tax Advantage (LTCG Sec 112A): Long-term capital gains over ₹1.25 Lakh per FY are taxed at only 12.5% (no tax below ₹1.25 Lakh).
  • Flexibility: Modify, step up, pause, or stop SIP installments anytime without penalties.

Bank Recurring Deposit (RD)

Guaranteed fixed monthly deposit

  • Fixed Low Returns: Typically 6.0% - 7.0% p.a., which struggles to beat real inflation rates.
  • High Tax Drag: Interest earned is added directly to income and taxed at peak marginal slab rates (up to 30%+ surcharge).
  • TDS Deduction: Banks deduct TDS at 10% if annual interest exceeds threshold limits.
  • Premature Withdrawal Penalty: Penalty fees charged for breaking or missing monthly deposit installments.
Knowledge Base

Frequently Asked Questions

What is a Systematic Investment Plan (SIP)?

A SIP (Systematic Investment Plan) allows you to invest a fixed amount of money at regular intervals (usually monthly) in a mutual fund scheme. It instills financial discipline and leverages Rupee Cost Averaging and compounding over time.

What is a Step-Up (Top-Up) SIP and why is it beneficial?

A Step-Up SIP lets you automatically increase your monthly investment amount by a fixed percentage (e.g., 10%) every year in line with your annual salary increments. Increasing your SIP contribution annually can double or triple your ultimate target corpus compared to a flat SIP.

How is Equity Mutual Fund SIP taxed in India?

For Equity Mutual Funds:
• Short-Term Capital Gains (STCG): Units held for less than 12 months are taxed at 20%.
• Long-Term Capital Gains (LTCG): Units held for over 12 months are exempt up to ₹1.25 Lakh per financial year under Section 112A. Gains exceeding ₹1.25 Lakh are taxed at 12.5%.

Can I pause or stop my SIP anytime?

Yes! SIPs offer complete flexibility. You can pause, increase, decrease, or terminate your monthly SIP installments at any time through your mutual fund platform without incurring any lock-in penalty fees (except ELSS tax-saving funds which have a 3-year mandatory lock-in period).

© 2026 RupeeSIP Calculator. Designed for Indian Retail Investors.

Disclaimer: Mutual fund investments are subject to market risks. Calculations provided herein are for illustrative & educational purposes only.

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