Free SIP Calculator
SIP Calculator India 2026
Calculate your SIP returns with step-up, lump-sum comparison, and goal planning. Updated with latest market return benchmarks.
SIP Calculator FAQ
What is SIP?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds or stocks. It averages your purchase cost over time (rupee-cost averaging), reducing the impact of market volatility.
What is Step-Up SIP?
Step-Up SIP increases your monthly investment by a fixed percentage every year (e.g., 10%). This aligns with salary growth and can significantly boost your final corpus. A 10% step-up over 20 years can create 2-3x more wealth than a flat SIP.
Is SIP better than lump sum?
SIP is generally better for salaried individuals who invest monthly. Lump sum can outperform in a consistently rising market because you invest all money upfront. SIP reduces timing risk through rupee-cost averaging.
How accurate is this calculator?
This calculator uses compound interest math which is accurate for the given inputs. Actual returns depend on market conditions. The benchmark returns shown are historical CAGRs and may not repeat. Past performance does not guarantee future results.
How does DalalAI help with SIP timing?
DalalAI's SIP Timing module uses market regime detection, FII/DII flow analysis, and AI models to suggest optimal SIP timing within each month. Premium members get personalized SIP coaching.
Sign up free to try it.