SIP Calculator — Compounza

Inputs SIP

Monthly Investment ₹10,000

₹

₹500₹10L

Initial Lumpsum (optional) ₹0

₹

₹0₹10Cr

Expected Return (p.a.) 12%

1%30%

Investment Period 15 yrs

Yrs

1 yr40 yrs

Annual Step-up 0%

0%30%

Future Value

₹—

—

Total Invested

₹—

—

Total Gains

₹—

—

XIRR (approx)

—

Wealth Ratio

—

Final Monthly SIP

—

Return on Investment

—

Invested vs Gains

Gains —

Invested —

Corpus Growth

Year-by-Year Breakdown

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Year	Monthly SIP	Total Invested	Corpus Value	Total Gains	Gain %

How does the SIP Calculator work?

A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly into mutual funds. The SIP calculator uses the Future Value of Annuity formula to compute returns:

FV = P × [(1 + r)ⁿ - 1] / r × (1 + r) + Lumpsum × (1 + r)ⁿ

Where: P = Monthly investment, r = Monthly rate (annual% / 12), n = Total months

The step-up feature automatically increases your SIP amount by the specified percentage every year, mimicking salary increments and allowing you to model realistic investment growth.

The XIRR shown is an approximation based on your total invested and final corpus value. For exact XIRR, use the annualized return formula. A wealth ratio above 3× over 15 years indicates healthy compounding.