SIP Return Calculator
Calculate your SIP corpus with step-up, inflation adjustment, and goal planning
🎯 Try It Free — SIP Return Calculator
Estimated Result
🔒 Full analysis, detailed breakdown, and PDF export available on paid plans.
Designed specifically for Indian businesses and professionals
- Salaried professionals starting their investment journey
- Young investors building long-term wealth through SIPs
- Parents planning for children's education and marriage
- Investors comparing SIP with PPF, FD, and gold returns
- Financial advisors calculating client corpus projections
Simple 3-step process — results in under 2 minutes
- Enter your monthly SIP amount and target return
- Set your investment period and annual step-up rate
- Get projected corpus with and without step-up
- Compare against FD returns to see the compounding advantage
Compare your numbers against Indian industry standards
Large-cap equity funds have delivered 10–12% CAGR over 10+ year periods historically. Mid-cap funds: 13–15%. Small-cap funds: 15–18% with higher volatility. Debt funds: 6–8%. Hybrid funds: 9–11%. These are historical returns — actual future returns depend on market conditions and cannot be guaranteed.
A step-up SIP increases your monthly investment by a fixed percentage annually — typically 10–15% aligned with salary growth. A ₹10,000 SIP with 10% annual step-up grows to ₹25,937/month by year 10 and nearly triples the final corpus compared to a flat ₹10,000 SIP over the same period.
At 12% expected return: ₹43,067/month for 10 years, ₹19,819/month for 15 years, ₹10,109/month for 20 years. Starting earlier dramatically reduces the monthly requirement — this is the compounding effect. A step-up SIP reduces the initial amount further.
Equity mutual fund units held over 1 year: LTCG at 12.5% on gains above ₹1.25 lakh per year (post-2024 budget). Short-term (under 1 year): 20%. Debt mutual funds: taxed at your income slab rate regardless of holding period. ELSS funds provide ₹1.5 lakh 80C deduction.
SIP is better for most investors because it enforces discipline, averages cost through market ups and downs (Rupee Cost Averaging), and does not require timing the market. Lumpsum works well when markets are at cyclical lows but requires conviction and capital availability. Most financial advisors recommend SIP for regular income earners.
This tool saved me hours of manual calculation. The results were accurate and matched my own estimates closely. Subscribed to the yearly plan immediately.
Scalioz tools are genuinely built for Indian businesses. The logic is India-specific, the pricing is fair, and the support team responds fast. Highly recommended.
Very useful for quick estimates and decision-making. Would love deeper integration with accounting software in a future version. Overall great value.
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