How much should I invest in SIP to get ₹1 crore in 10 years?

To accumulate ₹1 crore in 10 years through SIP, you would need to invest approximately ₹43,000-₹50,000 per month, assuming an expected annual return of 12-15%.

What is a Step-Up SIP and how does it work?

A Step-Up SIP allows you to increase your SIP amount periodically, typically annually. This helps you invest more as your income grows and significantly boosts your wealth creation potential.

How accurate is the SIP return calculator for Indian mutual funds?

Our SIP calculator uses standard financial formulas and is highly accurate for projection purposes. For Indian equity mutual funds, historical average returns have been 12-15% annually.

India's Most Comprehensive SIP & Goal Planning Calculator

Calculate your SIP returns, plan financial goals, and visualize investment growth with our free, easy-to-use tool for Indian investors. Perfect for goal-based SIP planning and step-up investments.

Investment Parameters

Monthly Investment (₹)

₹

Expected Return Rate (% p.a.)

Time Period (Years)

Years

Calculate Post-Tax Corpus

Invested Amount

₹12.00 Lakh

Estimated Returns

₹11.23 Lakh

Total Value

₹23.23 Lakh

Investment Breakdown

How to Use This Tool

SIP Calculator

Enter your monthly investment amount, expected return rate, and investment period to calculate your SIP returns and wealth creation potential.

Step-Up SIP Calculator

Plan SIP with annual increases. Set your starting amount and yearly increment percentage to maximize your investment growth over time.

Lumpsum Calculator

Calculate returns on one-time investments. Input your lumpsum amount, return rate, and time period to see your investment growth.

Goal Planner

Set specific financial goals and discover how much to invest monthly through SIP to achieve targets like ₹1 crore in 10 years.

Master Your Financial Planning

Understanding SIP Investments

Systematic Investment Plans (SIPs) are the cornerstone of disciplined investing in India. By investing a fixed amount regularly, you can:

Rupee Cost Averaging: Buy more units when prices are low, fewer when high
Power of Compounding: Your money grows exponentially over time
Disciplined Investing: Automate your wealth creation journey
Flexibility: Start with as little as ₹500 per month

Pro Tip: Starting a ₹5,000 monthly SIP at age 25 can help you accumulate over ₹1.5 crores by retirement, assuming 12% annual returns.

Goal-Based Investment Strategy

Successful investing starts with clear financial goals. Our calculators help you plan for:

Short-term Goals (1-3 years)

• Emergency Fund
• Vacation Planning
• Car Purchase

Long-term Goals (5+ years)

• Home Purchase
• Child's Education
• Retirement Planning

Investment Tip: Align your investment horizon with your goals. Equity funds for long-term, debt funds for short-term objectives.

Why Choose Our Financial Planning Tools?

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Accurate Calculations

Based on proven financial formulas used by professional advisors across India

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Goal-Oriented Planning

Plan backwards from your goals to determine the exact monthly investment needed

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All calculations happen in your browser. We don't store your financial data

Frequently Asked Questions about SIPs