SIP Calculator India 2026

SIP Calculator India — Build ₹1 Crore with ₹5,000/month

A Systematic Investment Plan (SIP) is the most disciplined way to build wealth in India. By investing a fixed amount every month into a mutual fund, you benefit from rupee cost averaging — buying more units when markets are low and fewer when markets are high. Over long periods, this strategy significantly reduces your average cost per unit and maximizes returns.

₹5,000 SIP for 10, 15, and 20 Years — Real Numbers

Here's what a ₹5,000/month SIP grows to at 12% annual returns:

• 10 years: Invested ₹6,00,000 → Corpus ≈ ₹11,61,695 (1.93× growth)
• 15 years: Invested ₹9,00,000 → Corpus ≈ ₹25,22,880 (2.8× growth)
• 20 years: Invested ₹12,00,000 → Corpus ≈ ₹49,95,740 (4.16× growth)
• 25 years: Invested ₹15,00,000 → Corpus ≈ ₹94,88,210 (6.3× growth)

The magic of compounding means your money grows exponentially over time, not linearly. The longer you stay invested, the more dramatic the wealth creation.

What is Step-Up SIP?

A step-up SIP increases your monthly contribution by a fixed percentage each year — typically aligned to your annual salary hike. If you start ₹5,000/month and increase 10% every year, by year 10 you're investing ₹11,950/month. This matches your growing income while dramatically boosting your corpus.

Example: ₹5,000/month with 10% annual step-up for 15 years at 12% returns = approximately ₹45 lakh corpus vs ₹25 lakh with flat SIP. That's an 80% bigger corpus just by increasing your SIP each year.

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