What is a SIP?
A Systematic Investment Plan (SIP) means investing a fixed amount in a mutual fund every month. Because you invest regularly and returns compound, even modest monthly amounts can grow into a large corpus over many years.
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly investment by a fixed percentage every year — usually in line with your rising income. Turning it on above shows how much faster your corpus grows when you invest a little more each year.
Why inflation matters
₹1 crore in 20 years will not buy what ₹1 crore buys today. The inflation-adjusted value tells you what your final corpus is worth in today's money, so your goal stays realistic.
SIP formula
Where P = monthly investment, i = monthly return (annual ÷ 12 ÷ 100), n = number of months. (Step-up increases P each year.)
Frequently asked questions
Are these returns guaranteed?
No. Mutual-fund returns vary with the market. This is an estimate based on the return you enter, to help you plan.
What return should I assume?
Many investors plan diversified equity SIPs around 10–12% per year. Use a lower figure for debt funds and adjust to your fund.