Rajkumar Anguluri·Software Engineer · Founder, Artha Engine·Last reviewed 8 April 2026·Methodology
Independent decision-support tool. Artha Engine is not a financial services provider, does not sell loans or insurance, and has no commission relationships with banks or insurers.
SIP Calculator
Will a steady SIP actually grow into the corpus you need? See the final number, what drives it, and whether your plan is aggressive, balanced, or lagging.
SIP details
Enter your monthly SIP, expected return, and horizon. Step-up matches annual income growth.
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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.
Benchmarks
Conservative (8% return)
+67.9%You
₹98.9L
Benchmark
₹58.9L
Debt-fund-like returns.
Aggressive (15% return)
-33.9%You
₹98.9L
Benchmark
₹1.5Cr
Small-cap-heavy equity returns.
With 10% annual step-up
-49.8%You
₹98.9L
Benchmark
₹2Cr
Matching income growth compounds dramatically.
What moves the result most
Holding everything else fixed, here is how the headline shifts when each input swings by a typical range.
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.
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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.
Related tools & decisions
Keep going from here — each link carries the same cluster context.
What to do next
Comparison pages
SIP vs FD — Which Builds More Wealth?
Should you put your monthly savings into an equity SIP or a recurring FD? See projected corpus for both, what tips the scale at different horizons, and when the FD's safety edge actually matters.
SIP vs PPF — Which Long-Horizon Winner?
Should your long-term savings go into an equity SIP or tax-free PPF? See projected wealth for both, what drives the gap, and when PPF's guaranteed return is the smarter bet.
Related guides
Long-form explainers that put the math behind this tool in context.
Guide28 min
The India Personal Finance Playbook 2026: Your First ₹1 Crore by Income, Age, and City
A complete decision tree for India in 2026: a 7-question diagnostic, income-bracket and age-decade playbooks, the 12-step sequence most people get wrong, and what changed for the new tax year. Built for the salaried Indian professional aiming for the first ₹1 crore.
Guide7 min
Step-Up SIP: When Increasing Your SIP Every Year Beats Starting Big
A ₹20,000 SIP stepped up 10% every year builds a larger corpus than a flat ₹30,000 SIP over 20 years — with less strain. The math, when to step up, and when prepayment or the emergency fund should come first.
Guide7 min
ULIP vs Term + Mutual Fund: The Real 30-Year Math
ULIPs hide four layers of charges behind a single premium. Over 20 years, the charge stack typically costs 25-45% of the corpus vs a pure term policy paired with a direct mutual fund SIP. We walk through the charge-by-charge math and name the handful of cases where ULIP genuinely wins.
Calculations and decision frameworks, not personalised financial advice. The numbers on this page are based on the inputs you supplied and the regulatory rules in effect when this page was last reviewed. They are not a recommendation to buy, sell, hold, port, or surrender any specific financial product. Consult a SEBI-registered investment advisor, a qualified tax professional, or a licensed insurance broker before acting on a financial decision involving your money.
Artha Engine is an educational decision-support website. We do not offer loans, sell insurance, distribute mutual funds, provide regulated investment advice, collect loan applications, or receive commissions from banks, insurers, AMCs, brokers, or other financial providers. References to RBI, SEBI, IRDAI, Income Tax Department, or other authorities are source citations only. Artha Engine is not affiliated with, endorsed by, or sponsored by any government authority, regulator, bank, insurer, AMC, or broker. Artha Engine does not charge users fees for using calculators, comparison tools, articles, or financial health scoring. Mailing address: India.
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