Step-Up SIP Calculator
Model compounding by increasing your SIP annually as your salary and savings grow.
Calculate Step-Up →
AG World Tools
SIP Calculator · Official Calculation Report
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https://agworld.co.in/sip-calculator/
એસઆઈપી (SIP) કેલ્ક્યુલેટર
Estimate the maturity value of your Systematic Investment Plan — see how monthly compounding turns disciplined investing into exponential long-term wealth.
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🛡️ Accurate Calculation
Investment Parameters
SIP Returns Summary
| Total Invested | ₹6,00,000 |
| Wealth Gained (Returns) | ₹5,61,695 |
| Investment Duration | 10 Years (120 SIPs) |
| Return on Invested Capital | 93.6% |
Corpus Composition
Capital vs Returns
Invested Capital (51.7%)
Returns Earned (48.3%)
Power of Compounding: The longer you stay invested, the more returns outpace principal. At 30 years with 12% returns, gains typically form over 90% of your total corpus.
Year-by-Year Corpus Growth Schedule
Compounding effect tracked annually — watch your invested capital and wealth accumulate over time.
| Year | Opening Balance | Annual Deposit | Interest Earned | Closing Balance | Total Invested | Wealth Gained |
|---|
Figures rounded to nearest rupee. Closing Balance = Opening + Annual Deposit + Interest Earned.
Key Insights
- Compounding Snowball Exponential Gains
- Rupee Cost Averaging Averages Volatility
- Indian Equities Benchmark 12% – 15% CAGR
- Starting Discipline As low as ₹500/mo
Quick Facts
- ELSS Tax Deduction Up to ₹1.5L (Sec 80C)
- Equity LTCG Tax 12.5% above ₹1.25L
- Flexibility Pause / Resume Anytime
- Calculation Logic Future Value of Annuity
Frequently Asked Questions
What is a good SIP amount to start with?
Any amount you can commit to consistently. Financial planners recommend investing 20–30% of your take-home monthly salary. Starting with ₹2,000–₹5,000/month and increasing by 10% each year (Step-Up SIP) is a highly effective wealth-building approach for salaried professionals in India.
Is 12% return realistic for an equity SIP?
Indian large-cap and flexi-cap equity mutual funds have historically delivered 12–14% CAGR over rolling 10-year periods (source: AMFI). Mid-cap and small-cap funds have delivered 14–18% but with higher short-term volatility. Past returns do not guarantee future performance.
Can I pause or stop a SIP if I face a cash crunch?
Yes — almost all mutual fund AMCs allow pausing your SIP for 1–3 months through your broker or portal without any financial penalty. Your accumulated units continue to stay invested and compound.
Are my calculations and financial numbers private?
Yes, 100%. All computations run strictly client-side in your local browser JavaScript engine. No salary amounts, deposit values, or personal inputs are ever sent to any remote server or third party.