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SIP
SIP Calculator
Step-up SIP with monthly compounding and XIRR
🏺Advanced SIP Calculator
Comprehensive SIP analysis with step-up, target planning, and scenario analysis
₹11,27,721
Invested: ₹6,00,000
Gains: ₹5,27,720.877
XIRR: 15.00%
Tenure: 10 years (120 months)
Return on Investment88.0%
Compounding Effect88.0%
Target Achievement112.8%
Key Insights
- • Your money will grow 2x over 10 years
- • Compounding contributes ₹4,55,720.877 to your wealth
- • Starting 5 years earlier would increase your corpus by ₹6,76,632.526
- • Increasing SIP by 10% annually can boost returns by 15-20%
SIP Calculation Methodology
How we calculate SIP returns and XIRR
Frequently Asked Questions
How much SIP per month for ₹1 crore?
For ₹1 crore in 15 years at 12% returns, you need approximately ₹25,000/month SIP. For 20 years, it reduces to ₹12,000/month.
SIP vs lumpsum — which is better in India?
SIP is better for most investors as it reduces timing risk and provides rupee cost averaging. Lumpsum can outperform in bull markets but carries higher timing risk.
What is a good expected return for SIP calculators?
For equity mutual funds, use 10-12% for conservative estimates. Large-cap funds typically return 10-11%, while mid/small-cap may return 12-15% over long periods.