Free SIP Calculator — step-up, goal SIP, PDF

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A SIP (Systematic Investment Plan) is a simple way to invest a fixed amount in a Mutual Fund every month. SIP is a common way to invest regularly for long-term goals: each instalment buys units at that day's price (rupee-cost averaging).

This free SIP Calculator computes the future value based on the monthly SIP amount, assumed return rate (% p.a., 2%–13% as in AMFI's illustration range), and investment tenure (years) you enter. It separately shows the total invested capital, total returns (gain), and the final corpus. It uses the same method as AMFI's own SIP calculator: FV = P × [(1+i)ⁿ − 1] / i × (1+i), where i is the monthly rate and n the number of instalments. As on AMFI's calculator: monthly rate = annual rate ÷ 12, instalment at the start of each month. For example, ₹5,000 a month at 12% for 7 years grows to about ₹6,59,895, the figure AMFI's calculator shows.

Common use cases: Retirement planning (e.g., building a Rs 5 crore corpus in 30 years), Child education (higher studies fund over 15-18 years), House down payment (Rs 30 lakh in 5-7 years), Wealth building (a 10-20 year SIP across diversified equity MFs).

A Step-Up SIP variant is also available (increasing the SIP amount every year— typically a 5-15% annual step-up). The assumed return can be set from 2% to 13% (the range AMFI allows for illustrations). Every result is an illustration at that rate: Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in future and is not a guarantee of any future returns.

Along with the calculator, you also get a branded PDF report that includes a year-wise breakdown, growth chart, and the AMFI mandatory disclaimer. It is fully responsive on mobile as well.

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Open SIP Calculator (Free) — Project Mutual Fund Returns →

Frequently Asked Questions

What is the minimum SIP amount?

In most mutual funds the minimum SIP starts from Rs 500/month. Some schemes allow a lower minimum; check the scheme's SID / KIM for its own minimum.

Are SIP returns guaranteed?

No, SIP returns are market-linked. Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in future and is not a guarantee of any future returns. Actual returns can vary, and can be negative.

SIP vs Lumpsum — which is better?

SIP provides rupee-cost averaging — investment happens in both market lows and highs, keeping the average buy price moderate. A lumpsum is invested at a single price, so its outcome depends more on when it is invested. Which suits you depends on your cash flow and risk profile; discuss it with your Mutual Fund Distributor.

What is a Step-Up SIP?

In a Step-Up SIP, the SIP amount automatically increases every year (e.g., 10% annual step-up). Your investment grows along with your salary hike. Over the long term, this builds a 1.5-2x larger corpus compared to a simple SIP with the same starting amount.

How do you start an online SIP?

Through an AMFI-registered Mutual Fund Distributor, or directly with the AMC (website or app). Direct plans have lower expense ratios; Regular plans include distributor commission. KYC is required either way.

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