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Type your monthly investment, expected return, and tenure. See how a Systematic Investment Plan grows over time, with an optional step-up to track your salary increment.
Each year the monthly amount increases by this %. Set to 0 for a flat SIP.
Estimated future value
$115,019
$500 / month for 10 years at 12% expected return.
Invested vs returns
Total invested
$60,000
Estimated returns
$55,019
Maturity value
$115,019
A Systematic Investment Plan invests a fixed amount in a mutual fund every month, on a fixed date. Because the amount is constant but the unit price varies, you average the cost over time — a discipline called rupee-cost averaging (or dollar-cost averaging in the US).
A step-up SIP increases your monthly contribution by a fixed percentage every year — usually matched to your salary increment. Over 20+ year horizons, a modest 10% annual step-up can more than double the maturity value compared to a flat SIP.
Mutual fund returns vary with market conditions. The default 12% expected return is broadly aligned with long-run equity market averages for India / Nepal, but actual returns can be significantly higher or lower. Use this as planning, not a guarantee.
A Systematic Investment Plan (SIP) is an automated monthly investment into a mutual fund. On a fixed date each month, the platform debits your bank account and buys fund units at that day's NAV. Over time, because the NAV varies and your contribution stays constant, you accumulate more units when prices are low and fewer when they're high — a discipline known as rupee-cost averaging.
For long-horizon equity mutual fund SIPs in India and Nepal, a 10–14% expected annual return is the commonly modelled range. Conservative debt funds project lower (6–8%). Past performance is not a guarantee of future returns — the actual outcome depends on market behavior and fund-manager skill. The default of 12% in this calculator reflects long-run Nifty index averages.
A step-up SIP (also called top-up SIP) increases the monthly investment amount by a fixed percentage every year — usually 5–15%. The idea is to scale your investing with your income growth. Over 20+ years a 10% step-up can roughly double the maturity value versus a flat SIP, because each year's incremental amount also gets compounded.
No. In India, equity mutual fund gains are taxed as long-term capital gains (LTCG) at 12.5% above ₹1.25 lakh per year if held over a year; short-term gains are 20%. Debt funds are taxed at slab rates. Dividend income is taxed at slab rates. In Nepal, capital gains on mutual fund units are taxed; check the latest rate with a chartered accountant.
Mathematically, a lump-sum invested at the start of a long bull run outperforms an SIP because more money is exposed to compounding for longer. In practice, very few investors have lump sums to deploy, and SIPs reduce the regret risk of investing right before a market crash. Most retail investors are better served by SIPs.
No. The calculator is an educational tool — it assumes a constant rate of return, monthly contributions paid at the end of each month, no fund expenses, and no taxes. Real-world SIP outcomes differ. Speak with a SEBI-registered investment advisor in India, or a licensed planner in your region, before committing to a long-term plan.
Investing as a single lump sum instead? Try the compound interest calculator.
For information only — not financial, tax, or legal advice.
SIP projections assume a constant expected return and exclude fund expenses, capital gains tax, and dividend distribution tax. Mutual fund investments are subject to market risk. Always verify with an official source and a licensed professional before filing, borrowing, or transacting. Read the full disclaimer.
ExpenseFlow records recurring SIP debits automatically and visualises your investing rhythm in the same workspace as your day-to-day budget.
