Financial calculators by Dailytrades
Plan your financial goals with tools built by Dailytrades - India‘s platform for trading and investment insights.
SIP Calculator
Calculate how much wealth you can build over time by making systematic monthly, quarterly, or half-yearly investments.
SIP Returns Quick Comparison
The table below shows how different SIP amounts can grow over time at a fixed return rate.
| Monthly SIP | Duration | Expected Return | Future Value |
|---|---|---|---|
| ₹5,000 | 5 Years | 12% | ₹4,12,431.83 |
| ₹5,000 | 10 Years | 12% | ₹11,61,695.38 |
| ₹10,000 | 15 Years | 12% | ₹50,45,760 |
| ₹15,000 | 20 Years | 12% | ₹1,49,87,218.79 |
| ₹20,000 | 25 Years | 12% | ₹3,79,52,701.85 |
| ₹25,000 | 30 Years | 12% | ₹8,82,47,406.84 |
| ₹30,000 | 35 Years | 12% | ₹19,48,70,892.42 |
| ₹35,000 | 40 Years | 12% | ₹41,60,03,613.69 |
Understanding SIP: The Discipline of Building Long-Term Wealth
A Systematic Investment Plan (SIP) is a hassle-free method of investing a set amount of money into mutual funds on a recurring schedule (monthly or quarterly). Instead of waiting to accumulate a large sum, SIP allows everyday investors to start with as little as ₹500 and build serious long-term wealth over time.
Trying to time market bottoms is almost impossible even for professionals. Staying invested through monthly SIPs across both bull and bear cycles automatically averages out your unit purchase cost and yields far better risk-adjusted returns.
What is Step-Up SIP? (Boosting Investments with Salary Hikes)
A Step-Up SIP (or Top-Up SIP) is a powerful wealth-building strategy where you automatically increase your monthly SIP contribution by a fixed percentage (e.g., 10% p.a.) every year. As your career progresses and you receive annual salary hikes or bonuses, stepping up your SIP ensures your savings grow alongside your income.
Why Use Step-Up SIP?
• Matches Income Growth: As your salary increases annually, stepping up investments keeps pace with your earnings.
• Beats Inflation: Fixed monthly investments lose purchasing power over time. Step-up protects real corpus value.
• Massive Wealth Accelerator: A modest 10% annual step-up can nearly double your final corpus over 15–20 years.
Step-Up Example (10% Annual Hike)
• Year 1: Invest ₹10,000 / month
• Year 2 (10% Hike): Invest ₹11,000 / month
• Year 3 (10% Hike): Invest ₹12,100 / month
• Impact over 20 Yrs (12% Return): Regular SIP gives ₹99.9 Lakhs, while a 10% Step-Up SIP reaches over ₹2.12 Crores!
SIP vs RD Key Differences
| Feature | SIP | RD |
|---|---|---|
| Investment style | Fixed amount invested regularly | Fixed amount deposited monthly |
| Market exposure | Yes | No |
| Risk level | Moderate | Very low |
| Returns | Market-linked | Fixed |
| Best for | Regular investors, beginners | Conservative savers |
| Flexibility | High (start/stop anytime) | Medium (fixed tenure) |
| Minimum investment | ₹100/month | ₹100/month |
| Ideal duration | Long-term | Short to medium-term |
| Taxation | Capital gains tax | Interest taxed as per slab |
| Goal | Wealth creation | Safe savings |
Real Case Study: The 10-Year Delay Penalty
Consider two investors, Anjali (Age 25) and Rohan (Age 35), who both decide to invest ₹10,000 every month at an expected return of 12% p.a. until retirement at age 55:
Anjali (Starts at Age 25)
• Duration: 30 Years
• Total Invested: ₹36.0 Lakhs
• Final Maturity: ₹3.53 Crores
Rohan (Starts at Age 35)
• Duration: 20 Years
• Total Invested: ₹24.0 Lakhs
• Final Maturity: ₹99.9 Lakhs
Key Takeaway: By starting 10 years earlier, Anjali contributed just ₹12 Lakhs more from her pocket but built ₹2.53 Crores in extra wealth. That is the compounding advantage in action.