StockIQ

SIP Calculator forMutual Fund Investors

Calculate how much you need to save or how much you will accumulate with your SIP investments. Plan your wealth creation journey with step-up SIP support.

Enter SIP Details

Increase your SIP amount every year by this percentage

What is SIP?

Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly in mutual funds. It's the smartest way to build wealth through the power of compounding and rupee cost averaging.

Disciplined investing: Invest regularly without timing the market

Rupee cost averaging: Buy more units when prices are low

Power of compounding: Returns generate more returns over time

Flexibility: Start, stop, or modify anytime

SIP Step-Up

Increase your SIP amount annually to:

  • •Match your rising income and career growth
  • •Beat inflation and maintain purchasing power
  • •Reach your financial goals faster
  • •Build a larger retirement corpus

Want Automatic SIP Tracking?

StockIQ automatically calculates XIRR for all your SIP investments. Track multiple SIPs, compare returns, and get AI-powered investment insights!

Understanding SIP Investment in India

Systematic Investment Plan (SIP) has become the preferred investment method for millions of Indians. Instead of trying to time the market with lump sum investments, SIP allows you to invest a fixed amount regularly (monthly, quarterly, or annually) in mutual funds.

Benefits of SIP Investment

  • Rupee Cost Averaging: When markets fall, you buy more units. When markets rise, you buy fewer units. This averages out your purchase cost over time.
  • Power of Compounding: Your returns generate more returns. The longer you stay invested, the more powerful compounding becomes.
  • Disciplined Investing: Automated monthly deductions ensure you invest consistently without emotional decision-making.
  • Flexibility: Start with as low as ₹500/month. Increase, decrease, pause, or stop anytime.
  • Goal-based Planning: Perfect for long-term goals like retirement, children's education, home purchase.

SIP vs Lump Sum: Which is Better?

Both have their place in your investment portfolio:

  • SIP: Best for regular income earners, reduces market timing risk, builds discipline
  • Lump Sum: Best when you have a large amount available, potentially higher returns in bull markets

Most financial advisors recommend SIP for majority of investors, especially beginners.

How Much Should You Invest in SIP?

A common rule of thumb is to invest at least 20-30% of your monthly income. However, this depends on:

  • Your financial goals and time horizon
  • Current expenses and liabilities
  • Emergency fund availability
  • Risk appetite

SIP Step-Up Strategy

As your income grows, increasing your SIP amount annually (step-up) can significantly boost your wealth:

  • 10% annual step-up can increase your final corpus by 30-50%
  • Matches inflation and lifestyle upgrades
  • Helps achieve goals faster