Tools
SIP calculator
See what a monthly SIP could grow to, and how much a yearly step-up adds. Change any number; the chart redraws as you go.
Equity funds have been volatile. Try 8% for a cautious view.
A step-up keeps pace with salary increases.
- You put in
- ₹19.1 lakh
- Could grow to about
- ₹37.2 lakh
Illustrative only, assuming 10% a year compounded monthly. Actual returns vary and are not guaranteed. Mutual fund investments are subject to market risks; read all scheme related documents carefully. This is not a recommendation to buy any product.
How this is worked out
Each monthly instalment is invested at the start of the month and grows at the assumed annual rate, compounded monthly. With a step-up, the instalment rises by that percentage at the start of each new year.
The chart shows, year by year, how much you have put in and how much it could be worth. Real returns move up and down; equity funds can fall in value for months or years at a time.
For long-term equity SIPs, many people use 10 to 12 percent a year. For a cautious view, try 8 percent. For debt funds, 6 to 7 percent is more realistic. None of these are guaranteed.
A SIP whose monthly amount rises by a fixed percentage every year, usually in line with salary increases. Even a 10 percent step-up makes a large difference over fifteen years.
No. It is an illustration based on a steady assumed return. Actual returns vary every year and depend on the schemes you choose.
Related: Mutual funds and SIPs, how to start a SIP.
Ready to start the SIP you just planned?
A first conversation is free and takes about thirty minutes, at the office in Angamaly or over a call.
Opposite St Martin's Shrine, Angamaly South P.O.
Angamaly, Kerala 683573
- Monday to Friday: 9:00 am to 6:00 pm
- Saturday: 9:00 am to 5:00 pm
Get directions
Ten minutes from Cochin International Airport