SIP & Step-Up SIP Calculator

Verified Financial Planning Tool Reviewed by Mr. Unmesh Deshmukh (Founder Director | AMFI ARN-136656)

Includes Annual Step-Up & Inflation Check

How Much Wealth Can Your Monthly SIP Build?

A Systematic Investment Plan (SIP) Calculator is a financial modeling tool that estimates the future maturity value of your monthly mutual fund investments. By factoring in your monthly contribution, investment tenure, expected compounding rate, and annual step-up percentage, it helps you map out exact targets for retirement, children's education, and long-term family wealth.

Monthly SIP Amount (₹)

₹500 ₹50,000 ₹5,00,000+

Investment Duration (Years)

1 Yr 15 Yrs 40 Yrs

Expected Return Rate (% p.a.)

Debt (7-8%) Hybrid (10-11%) Equity (12-15%+)

Annual Step-Up (% Increase/Yr) Increase SIP yearly as your income grows

0% (Fixed SIP) 10% (Recommended) 30%

Projected Breakdown 1.0x Wealth

Value in Today's Money (6% Inflation): ₹ 0

Total Invested

₹ 0

Est. Returns

₹ 0

Maturity Value
₹ 0
₹ 0

Want to build this ₹ 1.26 Crore corpus with the right funds?

Get a personalized, goal-based SIP portfolio curated by Bonvista's research desk.

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*Disclaimer: Projections are for illustrative purposes only and do not guarantee future returns. Mutual Fund investments are subject to market risks, read all scheme related documents carefully. AMFI ARN-136656.

Year-by-Year SIP Compounding Schedule

See how your wealth accelerates over time

Year	Monthly SIP (₹)	Total Invested (₹)	Est. Returns Earned (₹)	Year-End Corpus (₹)

How Does the SIP Calculator Formula Work?

Bonvista's SIP calculator uses the standard future value of an annuity-due compounding formula to compute your maturity corpus:

FV = P × [ ( (1 + i)ⁿ - 1 ) / i ] × (1 + i)

FV (Future Value): Projected maturity corpus at the end of your tenure.
P (Principal SIP): Your monthly SIP contribution.
i (Periodic Rate): Monthly expected rate of return (Annual Rate ÷ 12 ÷ 100).
n (Total Installments): Investment duration in months (Years × 12).

SIP Corpus Ready-Reference Table (at 12% p.a.)

Compare how different monthly SIP amounts grow over 10, 15, and 20 years assuming a 12% annualized equity mutual fund return:

Monthly SIP	10 Years	15 Years	20 Years
₹ 10,000 / mo	₹ 23.23 Lakhs	₹ 50.46 Lakhs	₹ 99.91 Lakhs
₹ 25,000 / mo	₹ 58.08 Lakhs	₹ 1.26 Crores	₹ 2.50 Crores
₹ 50,000 / mo	₹ 1.16 Crores	₹ 2.52 Crores	₹ 5.00 Crores
₹ 1,00,000 / mo	₹ 2.32 Crores	₹ 5.05 Crores	₹ 9.99 Crores

FAQ

Frequently Asked Questions About SIPs

What is a Systematic Investment Plan (SIP)?

A Systematic Investment Plan (SIP) is a disciplined method of investing a fixed sum regularly (typically monthly) into a mutual fund scheme. Instead of timing the market with a large lump sum, SIPs automate your savings, benefit from rupee cost averaging during market dips, and compound wealth steadily over the long term.

What is a Step-Up SIP and why is it powerful?

A Step-Up SIP (or Top-Up SIP) allows you to automatically increase your monthly SIP contribution by a fixed percentage (such as 10% every year) in line with your annual salary increments or business growth. For example, a ₹25,000 monthly SIP for 15 years at 12% p.a. grows to ₹1.26 Crores, but adding a 10% annual step-up boosts the final corpus to ₹2.17 Crores.

How are mutual fund SIP returns taxed in India?

In SIPs, each monthly installment is treated as a separate investment for tax calculation. For Equity Mutual Funds, units held for more than 12 months qualify for Long-Term Capital Gains (LTCG) tax at 12.5% on gains exceeding ₹1.25 Lakh in a financial year. Units redeemed within 12 months attract Short-Term Capital Gains (STCG) tax at 20%.

Can I pause, modify, or withdraw my SIP anytime?

Yes, open-ended mutual fund SIPs offer complete flexibility. You can pause your SIP for a few months, increase or decrease the monthly amount, or redeem your accumulated units partially or fully at any time (except for ELSS tax-saving funds, which carry a mandatory 3-year lock-in per installment).

How do I choose the right mutual funds for my SIP?

Selecting mutual funds based solely on past 1-year star ratings often leads to poor outcomes. At Bonvista Financial Services (AMFI ARN-136656), we construct goal-based SIP portfolios by aligning your time horizon, risk profile, and asset allocation across Large-Cap, Flexi-Cap, Mid-Cap, and Hybrid funds with periodic rebalancing.

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Bonvista Financial Services Pvt. Ltd. is an AMFI-Registered Mutual Fund Distributor (ARN: 136656). Any investment guidance provided is strictly incidental to our primary mutual fund distribution activity.