What is SIP and how does it work?

SIP (Systematic Investment Plan) is a method of investing a fixed amount in mutual funds at regular intervals (monthly/quarterly). Each installment buys units at prevailing NAV. Over time, you benefit from rupee cost averaging and compounding, which can multiply your wealth significantly.

What is a good SIP return rate in India?

Historically, equity mutual funds in India have delivered 12-15% CAGR over 10+ year periods. Large-cap funds average 10-12%, mid-cap 14-16%, and small-cap 16-18%. Use 12% as a conservative estimate for long-term SIP calculations.

Step-Up SIP (also called Top-Up SIP) increases your monthly investment amount by a fixed percentage (e.g., 10%) every year. This aligns with your income growth and dramatically increases your final corpus compared to a regular fixed SIP.

How much SIP do I need for ₹1 crore?

At 12% annual returns: ₹5,500/month for 20 years = ₹1 crore. At 15% returns: ₹3,400/month for 20 years = ₹1 crore. Use our Goal SIP calculator to find the exact monthly amount for your target corpus.

Is SIP better than FD in India?

For long-term goals (5+ years), SIP in equity mutual funds typically outperforms FD significantly. FD gives guaranteed 6-7% returns, while equity SIP historically delivers 12-15%. However, SIP carries market risk while FD is risk-free. For short-term goals (< 3 years), FD is safer.

XIRR (Extended Internal Rate of Return) is the actual annualized return of your SIP, accounting for the timing of each installment. It's more accurate than simple annualized returns because each SIP installment is invested for a different duration. Our calculator computes XIRR automatically.

What is inflation-adjusted SIP return?

Inflation-adjusted return (real return) shows your purchasing power growth. If your SIP earns 12% and inflation is 6%, your real return is approximately 5.66%. Our calculator shows both nominal and inflation-adjusted corpus values.

Can I calculate lump sum investment returns?

Yes! Switch to Lump Sum mode to calculate the future value of a one-time investment. Formula: FV = P × (1 + r)^n. You can also compare lump sum vs SIP for the same total investment amount.

How does the SIP comparison tool work?

Our comparison tool lets you compare SIP returns against Fixed Deposit (FD), PPF (7.1%), RD (Recurring Deposit), and Savings Account (3.5%) for the same investment amount and period. See the wealth gap side-by-side.

SIP Calculator India 2025 — Free SIP Returns & Wealth Calculator

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SIP Calculator

Monthly SIP Amount ₹/month

1K 2K 5K 10K 25K 50K

₹

₹5,000/month

Expected Annual Return 12%

8% 10% 12% 15% 18%

1%15%30%

Investment Period 10 Years

3Y 5Y 10Y 15Y 20Y 30Y

1Y20Y40Y

Inflation Rate (for real returns) 6%

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Frequency ⓘ how often you invest

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Invested

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Returns

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Corpus

⚡ Quick Insight

Adjust sliders above to see instant projections.

Total Invested

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Inflation-adj. Corpus

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Corpus ÷ Invested

XIRR (Annualized)

Your effective returns

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Wealth Growth Chart

Invested Total Corpus Inflation-adj.

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Year-wise Breakdown

Year	Invested	Returns	Total Corpus	Real Value	Return%

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Step-Up SIP Calculator

💡 Step-Up SIP increases your monthly investment by a % every year, aligning with salary hikes for much higher final corpus.

Initial Monthly SIP ₹/month

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Annual Step-Up Rate 10%

5% 10% 15% 20%

Expected Annual Return 12%

Investment Period 15 Years

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Invested

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Fixed SIP

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Step-Up

🔼 Step-Up Advantage

See how much extra you earn by stepping up vs fixed SIP.

Total Invested

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Extra vs Fixed

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Step-up advantage

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Step-Up vs Fixed SIP Growth

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Year-wise Step-Up Breakdown

Year	Monthly SIP	Invested (Cum.)	Fixed SIP Corpus	Step-Up Corpus

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Lump Sum Calculator

One-Time Investment ₹

50K 1L 5L 10L 50L

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Expected Annual Return 12%

1%15%30%

Investment Period 10 Years

Inflation Rate 6%

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Invested

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Investment

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One-time amount

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Inflation adjusted

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Annual growth rate

Money Doubles In

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Rule of 72

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Lump Sum Growth

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Year-wise Breakdown

Year	Value	Returns (cum.)	Real Value

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Goal-Based SIP Planner

🎯 Enter your financial goal and we'll calculate the exact monthly SIP needed.

Goal Name

Target Corpus ₹

₹

₹1,00,00,000 (1 Crore)

Time to Goal 15 Years

5Y 10Y 15Y 20Y 25Y

Expected Return 12%

Inflation Rate 6%

🎯 Goal Analysis

Enter your goal amount and time horizon to see required SIP.

Required Monthly SIP

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per month

Inflation-adj. Goal

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True cost in today's value

Total to Invest

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Returns You'll Earn

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Market does the work

% Market Contributes

Power of compounding

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Goal Progress Projection

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Goal Milestone Breakdown

Year	SIP (monthly)	Corpus	% of Goal

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AI Investment Advisor — Personalized SIP insights

Set Groq Key (free)

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Set your Groq API key (free at console.groq.com) and click "Get AI Advice" for personalized SIP tips based on your numbers.

📈 India's Best Free SIP Calculator 2025

Everything You Need for SIP Investment Planning

KJSynthora's SIP calculator goes beyond basic calculations — offering step-up SIP, goal planning, comparisons, inflation adjustment, and AI-powered advice.

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Regular SIP Calculator

Calculate SIP returns with customizable amount, rate, and period. Includes XIRR, wealth multiplier, and inflation-adjusted corpus.

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Step-Up SIP

Model your SIP with annual increases aligned to your salary growth. See the dramatic difference vs fixed SIP over long periods.

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Lump Sum Calculator

Calculate returns on one-time investments. Includes Rule of 72 (money doubling time), CAGR, and real inflation-adjusted value.

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Goal-Based Planner

Enter your dream corpus (₹1Cr, house, education) and get the exact monthly SIP needed. Pre-built for 6 common financial goals.

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Investment Comparison

Side-by-side comparison of SIP, FD, PPF, RD, and savings account for the same investment. Highlights the SIP wealth gap.

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AI Advisor

Powered by Groq Llama AI — get personalized SIP tips, tax-saving strategies, and fund category recommendations based on your numbers.

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Year-wise Breakdown

Detailed annual table showing invested amount, returns, total corpus, and inflation-adjusted value for every year of your SIP tenure.

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Export & Share

Download your SIP projection as CSV or JSON. Share a link with your exact inputs for use in financial planning discussions.

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Inflation Adjustment

All calculations show both nominal corpus and inflation-adjusted real value, giving you a true picture of your future purchasing power.

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SIP Returns Calculator

Everything You Need for SIP Investment Planning

Regular SIP Calculator

Step-Up SIP

Lump Sum Calculator

Goal-Based Planner

Investment Comparison

AI Advisor

Year-wise Breakdown

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Inflation Adjustment

Learn to Maximize Your SIP Returns

SIP Calculator FAQs

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🔑 Groq API Key (Free)

SIP Returns Calculator

Everything You Need for SIP Investment Planning

Regular SIP Calculator

Step-Up SIP

Lump Sum Calculator

Goal-Based Planner

Investment Comparison

AI Advisor

Year-wise Breakdown

Export & Share

Inflation Adjustment

Learn to Maximize Your SIP Returns

SIP Calculator FAQs

📈 Start Calculating Your SIP Wealth