Plan monthly investments and see the SIP maturity amount, expected returns, and XIRR. Compare SIP vs lumpsum, try step-up SIP, or back-solve "SIP for ₹1 crore."
Plan monthly investments and see the SIP maturity amount, expected returns, and XIRR. Compare SIP vs lumpsum, try step-up SIP, or back-solve "SIP for ₹1 crore."
Enter monthly SIP, tenure, expected annual return, optional initial lumpsum, and annual step-up. We show future value, invested amount, gains, and XIRR with monthly compounding.
₹5,000/month for 10 years (assume 12% p.a.)
→ Maturity: ₹11.6L, Invested: ₹6L, Gains: ₹5.6L
₹10,000 per month SIP returns for 15 years
→ Compare with/without step-up to see the difference
Start early, increase SIP yearly, and track inflation-adjusted goals.
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. Use our SIP calculator to find the exact amount based on your timeline and expected returns.
SIP is better for most investors as it reduces timing risk, provides rupee cost averaging, and requires smaller initial capital. Lumpsum can outperform SIP in bull markets but carries higher timing risk.
For equity mutual funds, use 10-12% for conservative estimates. Large-cap funds typically return 10-11%, while mid-cap and small-cap funds may return 12-15% over long periods. Always consider inflation-adjusted returns.