SIP Calculator – Calculate Mutual Fund SIP Wealth, Chart & Amortization Schedule
Calculate your mutual fund SIP wealth corpus with live interactive Chart.js donut chart, year-by-year amortization schedule table, annual step-up boost, and inflation adjustments.
Year-by-Year Wealth Growth Schedule
Detailed progression of your monthly deposits, compounded returns, and closing corpus.
| Year | Monthly SIP | Annual Invested | Total Invested | Interest Gained | Closing Balance |
|---|
How to Use this Calculator & Formula Breakdown
Step 1: Input Financial Parameters
Enter your monthly investment amount (₹500 to ₹10 Lakhs).
Step 2: Instant Client-Side Computation
Set expected return rate % and investment tenure in years.
Step 3: Analyze Visual Breakdown & Amortization
Explore live interactive Chart.js donut chart, step-up boost, and full year-by-year wealth schedule table.
Mathematical Algorithm & Formula
Frequently Asked Questions (FAQs)
What is a Systematic Investment Plan (SIP) and how does it work?
A Systematic Investment Plan (SIP) is an investment vehicle offered by mutual funds to help you invest fixed amounts regularly (e.g., monthly). It helps average out purchase costs via Rupee Cost Averaging and unleashes the power of compound interest.
What is Rupee Cost Averaging in SIP?
When market prices are down, your fixed monthly SIP buys more fund units. When markets are up, it buys fewer units. Over time, this automatically lowers your average cost per unit without needing to time the market.
What is a Step-Up SIP and why should you use it?
A Step-Up (Top-Up) SIP automatically increases your monthly investment by a chosen percentage (e.g., 10%) each year as your salary increases. Stepping up your SIP can easily double your final retirement corpus!
What rate of return can I realistically expect from Indian Equity SIPs?
Historically, broad market Indian equity indices (Nifty 50, Nifty 500) have delivered 12% to 14% CAGR over 10+ year periods. Mid-cap and Small-cap funds have generated 14% to 18% CAGR over long horizons.
Can I pause, increase, or withdraw my SIP anytime?
Yes, open-ended mutual funds allow you to pause, stop, increase, or withdraw your investments anytime without lock-in penalties (except for tax-saving ELSS funds which have a 3-year statutory lock-in).
How are long-term mutual fund SIP returns taxed in India?
Under current income tax rules (Finance Act 2024), Long-Term Capital Gains (LTCG) over ₹1.25 Lakhs per financial year are taxed at 12.5% without indexation for equity mutual funds held for more than 12 months.
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