SIP & Mutual Fund Calculator with Step-Up
Calculate compound returns on Systematic Investment Plans (SIP) and Lumpsum mutual funds with annual Step-Up %, inflation adjust, and visual charts.
SIP & Mutual Fund Compound Returns Calculator
Step-Up & Inflation ReadyCalculate exact wealth creation with monthly Systematic Investment Plans (SIP) or one-time Lumpsum investments.
📅 Year-by-Year Wealth Amortization Table
Track your compound growth, yearly deposits, and closing balance every single year.
| Year | Deposited This Year | Cumulative Invested | Interest Earned | Closing Balance |
|---|---|---|---|---|
| Year 1 | ₹1,20,000 | ₹1,20,000 | +₹8,093 | ₹1,28,093 |
| Year 2 | ₹1,20,000 | ₹2,40,000 | +₹24,339 | ₹2,72,432 |
| Year 3 | ₹1,20,000 | ₹3,60,000 | +₹42,644 | ₹4,35,076 |
| Year 4 | ₹1,20,000 | ₹4,80,000 | +₹63,272 | ₹6,18,348 |
| Year 5 | ₹1,20,000 | ₹6,00,000 | +₹86,515 | ₹8,24,864 |
📖 How to Use SIP & Mutual Fund Calculator with Step-Up
Follow these simple steps to achieve fast and accurate results.
Choose SIP or Lumpsum Mode
Select monthly systematic investment plan or one-time lumpsum investment.
Enter Investment Amount & Tenure
Set monthly deposit, expected return rate % (e.g. 12-15%), and duration in years.
Enable Step-Up SIP
Optionally set annual step-up percentage to increase your SIP with yearly salary increments.
Analyze Wealth Growth
View total invested vs estimated wealth gain on the interactive donut chart and yearly breakdown table.
💬 Frequently Asked Questions
Got questions about SIP & Mutual Fund Calculator with Step-Up? Here are the most common answers.
What is the 15*15*15 rule of SIP?▼
The famous 15*15*15 rule states that investing ₹15,000 per month for 15 years at an expected annual return of 15% creates a total corpus of ₹1 Crore.
What is a Step-Up SIP and why is it recommended?▼
A Step-Up SIP increases your monthly contribution annually by a fixed percentage (e.g., 10%). It dramatically accelerates wealth accumulation by compounding higher savings as your income grows.
How do mutual fund SIP returns compound?▼
SIP returns compound monthly on the accumulated portfolio balance, benefiting from rupee-cost averaging by buying more units when markets are low and fewer units when markets are high.
⚡ Related Digital Solutions
Explore companion utilities designed to streamline your daily workflow.
Old vs New Tax Regime Calculator (FY 2024-26)
Compare Old vs New Tax Regime (Sec 115BAC revised) with Budget 2024 slabs, ₹75k standard deduction, 80C, 80D, HRA & Home loan tax savings.
EMI Loan Calculator
Calculate monthly loan EMI, total interest payable, and amortized repayment schedules.
Percentage Calculator
Calculate percentage of a number, percentage change, and ratio increases instantly.
Real-Time Currency Converter
Convert 17+ global currencies (USD, INR, EUR, GBP, AED, CAD, AUD, SAR, JPY) in real-time with live exchange rates.
Was this SIP & Mutual Fund Calculator with Step-Up helpful?
Your feedback directly shapes our free weekly developer updates.