Reviewed by Artha Research·Last updated 8 April 2026
SIP Calculator
Calculate the corpus your monthly SIP builds over time, with optional step-up for annual increases.
SIP details
Enter your monthly SIP, expected return, and horizon. Step-up matches annual income growth.
Final corpus
₹98.9L
₹0.99Cr final corpus
You invest ₹24.0L over 20 years. Compounding adds ₹74.9L on top.
Most long-term SIP wealth comes from the final 5-7 years — plan the exit carefully.
Total invested
₹24L
Estimated returns
₹74.9L
Final corpus
₹98.9L
Wealth multiplier
4.12x
Final corpus divided by total invested.
Invested vs corpus per year
Year-by-year growth of your investment and total corpus.
Compounding multiplies your money 4.12x
The corpus is more than double what you invested. This is what long tenures + steady returns compound into — the difference is entirely gains, not principal.
Wealth multiplier
4.12x
A 20+ year SIP unlocks true compounding
Most of the wealth in a long SIP is earned in the final 5-7 years. Stopping early loses the most valuable compounding window.
Next best actions
The result hints at what to look at next. Each link carries your current numbers so you never re-enter them.
At a glance
- What it does
- Projects the final corpus of a monthly mutual fund SIP over any horizon, with optional annual step-up.
- Typical output
- ₹10,000/month at 12% over 20 years becomes ~₹1 Cr, of which ₹76 L is compounding gains and ₹24 L is your contribution.
- Step-up effect
- A 10% annual step-up on the same SIP pushes the corpus to ~₹1.6 Cr over the same 20 years.
- Best used for
- Planning retirement corpus, goal funding, or long-term wealth creation through equity mutual funds.
How It Works
This is the drill-down layer. The flagship flow leads with a recommendation, and this page lets you inspect the underlying model.
- SIP corpus = Σ over each month of (monthly contribution × (1 + monthly rate)^(remaining months)).
- Step-up SIP raises the contribution by the step-up % every 12 months.
- Wealth multiplier = final corpus / total invested.
Assumptions
The recommendation stays blunt, but the assumptions remain visible.
- Return is assumed constant; real markets vary year to year.
- Step-up happens once a year, not continuously.
- Corpus is nominal — not adjusted for inflation.
FAQ
The follow-up questions people usually ask after the main recommendation is already clear.
Is 12% a reasonable return assumption?
For long-horizon Indian equity SIPs (20+ years), 11-13% has been the historical range for diversified equity funds. Stress-test at 10% to see a conservative outcome.
How does step-up SIP compare to flat SIP?
A 10% step-up SIP can produce 40-60% more corpus than a flat SIP over 15-20 years, because the extra contributions also compound. It matches income growth and keeps the effective savings rate steady.
Should I use SIP or lump sum?
Lump sum wins if you have the money today and the market is not overheated. SIP wins for salaried earners who invest from monthly income — it removes timing risk and enforces discipline.
Sources & references
Every formula and assumption above is grounded in these authoritative sources.
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