Free SIP Calculator India 2026 — SIP, SWP & Step-Up Calculator
Trying to figure out how much your SIP will actually grow? Or whether you can draw a monthly income once your corpus is ready? We've found that most people either overthink this — or they simply trust some number without really checking the math. At Finoda, we built our free SIP calculator so you can run the numbers yourself, in seconds, and plan with confidence.
Use it for a regular SIP, a step-up SIP with an annual increase, or a SWP (Systematic Withdrawal Plan) for monthly income. No login. No ads. Completely free.
Advanced SIP Calculator
Plan your wealth creation journey with step-up and inflation adjustments.
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Inflation Adjusted Value (Purchasing Power)
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Yearly Wealth Growth
SIP Returns Calculator — How Much Will Your SIP Grow?
A SIP, or Systematic Investment Plan, is one of the simplest ways to build wealth over time. You put in a fixed amount every month — say ₹5,000 or ₹10,000 — and the money goes into a mutual fund. As months and years pass, compounding does the heavy lifting.
So let's talk real numbers. If you invest ₹10,000 every month for 15 years at an assumed return of 12% per annum, your total invested amount would be ₹18 lakhs. But the expected corpus? Roughly ₹50 lakhs. That's the power of compounding working consistently in the background.
In our experience, most people are surprised by how much these numbers shift when they extend the tenure by even 2 or 3 years. Starting early genuinely matters. A 25-year-old investing ₹5,000 a month will comfortably outperform a 30-year-old investing ₹8,000 a month — purely because of time. Our SIP Returns Calculator lets you test these scenarios instantly.
We also want to be honest here — SIP returns are estimated based on an assumed annual return. Markets go up and down. We always suggest using a conservative 10–12% assumption for equity mutual fund SIPs when planning long-term, rather than chasing the best historical numbers.
Learn more about how SIP investments work at Finoda →
Step-Up SIP Calculator — With Annual Increase
Here's something we tell every client who gets a salary hike — increase your SIP along with it. Even a small 10% annual step-up makes a massive difference to your final corpus, and it barely pinches because it usually maps to your income growth.
A step-up SIP (also called a top-up SIP) lets you start with a manageable amount and auto-increase it every year by a fixed percentage. So if you start with ₹5,000 and step up by 10% every year, your second year contribution becomes ₹5,500, and so on. You're barely noticing the increase month to month, but the compounding effect is significant.
Our step-up SIP calculator lets you enter your starting SIP amount, your annual step-up percentage, the tenure, and an expected return rate. The result shows you both the total invested amount and the estimated final corpus — so you can see exactly how the step-up compares to a flat SIP.
We've used this internally when helping clients map out a 20-year corpus for children's education or retirement. The difference between a flat SIP and a 10% step-up SIP over 20 years can be worth several lakhs — sometimes crores. It's one of the most underused financial strategies in India, honestly.
Read our full guide on SIP vs Lumpsum — which is better for you →
SWP Calculator — Calculate Monthly Income from Investments
An SWP, or Systematic Withdrawal Plan, is the reverse of a SIP. Instead of putting money in every month, you withdraw a fixed amount every month from your mutual fund corpus. The rest of the corpus stays invested and keeps growing.
This is especially useful for retirees or anyone who has built up a corpus and now wants a regular monthly income — without selling everything at once.
Let's say you have ₹50 lakhs invested. You set up an SWP of ₹25,000 per month at an expected 10% annual return. Depending on how long the corpus lasts, you might draw income for 30+ years without the principal running dry — if the returns hold. Our SWP calculator with inflation option helps you see the realistic picture, factoring in how purchasing power changes over time.
One thing people often miss — SWP from equity mutual funds held for more than a year is taxed as Long-Term Capital Gains (LTCG) at 12.5% on gains above ₹1.25 lakh per year (as per current tax rules). That's significantly better than FD interest, which is fully taxable at your income slab. But please speak with a financial advisor before making decisions based on tax assumptions — rules do change.
Explore Mutual Fund investments at Finoda →
Check SEBI's official investor education portal →
Lumpsum vs SIP Calculator — Compare Both
"Should I invest everything at once or go month by month?" This is probably the most common question we get. And honestly, the answer depends on your situation — not some blanket rule.
If you have a large windfall — a bonus, a property sale, an inheritance — putting it in as a lumpsum when markets are reasonably valued can give you better returns than a SIP over the same period. That's because the entire amount compounds from day one.
But if you're investing from your monthly salary, a SIP makes far more sense. It automatically buys more units when markets are down (rupee-cost averaging) and fewer when they're up. Over time, this smooths out market volatility and reduces risk.
Our Lumpsum vs SIP calculator lets you enter the same amount and compare both approaches side by side. The result often surprises people — especially when market cycles are factored in.
Use our Lumpsum Calculator → separately for detailed lumpsum projections.
Read about Long-Term Investing strategies at Finoda →
How to Use the Finoda SIP Calculator
We've kept it simple. Here's how to use any of the three calculators on this page:
Regular SIP Calculator
Step 1 — Enter your monthly SIP amount (e.g., ₹5,000)
Step 2 — Set the investment duration in years (e.g., 10 years)
Step 3 — Enter the expected annual return (e.g., 12%)
The calculator instantly shows you your total invested amount, estimated returns, and the final corpus. That's it.
Step-Up SIP Calculator
Same as above, but you also add an annual step-up percentage. Most people enter 10% here, which roughly matches average salary growth in India.
SWP Calculator
Step 1 — Enter your existing corpus or lumpsum amount
Step 2 — Set your desired monthly withdrawal
Step 3 — Enter the expected return and tenure
The calculator tells you whether your corpus will last the full tenure — and how much remains at the end. If you enable the inflation toggle, it adjusts purchasing power too.
Open your free Demat Account at Finoda → and start your first SIP today.
Want to plan better? Read our Financial Planning Guide →
Why Use Finoda's SIP Calculator?
We're a Bangalore-based investment guidance platform, and we've helped over 10,000 investors across India plan their wealth. Our calculators are built specifically for the Indian market — with Indian rupee formatting, realistic return ranges, and inflation assumptions that make sense here.
Beyond just numbers, our team is available to actually help you build a SIP plan that fits your income, goals, and timeline. That's something a standalone calculator can't do.
But first — run the numbers yourself. See what's possible. Then come talk to us.
FAQs — SIP Calculator, SWP Calculator & Step-Up SIP
A SIP calculator is a free online tool that estimates how much your monthly SIP investment will grow over time. You enter three things — monthly investment amount, expected annual return, and tenure in years. The calculator shows you the total invested amount, estimated gains, and final corpus. It's a planning tool, not a guarantee of returns.
A step-up SIP calculator adds an annual increase to your monthly SIP contribution. For example, if you start with ₹5,000 and increase by 10% each year, year two becomes ₹5,500, year three ₹6,050, and so on. The calculator shows how this annual increment dramatically increases your final corpus compared to a flat SIP over the same period.
An SWP (Systematic Withdrawal Plan) calculator helps you plan regular monthly withdrawals from a mutual fund corpus. You enter your invested amount, how much you want to withdraw monthly, the expected return, and the duration. The calculator tells you how long your corpus will last and what's left at the end. It's widely used for retirement income planning.
No. SIP calculators use an assumed annual return rate that you enter. Actual mutual fund returns depend on market performance and cannot be predicted. The calculator is a planning tool — not a financial guarantee. Always consult a qualified financial advisor before investing.
For equity mutual funds, most financial planners suggest using 10–12% per annum for long-term planning (10 years or more). For debt funds, 6–8% is more realistic. For a conservative estimate, use 10%. Don't use historical peak returns — they can mislead your planning.
Most mutual funds allow you to start a SIP with as little as ₹100 to ₹500 per month. There is no upper limit. You can start small and increase your SIP gradually over time using a step-up SIP feature.
Yes. Our SIP and SWP calculators include an inflation toggle. When enabled, the inflation-adjusted result shows what your final corpus is worth in today's money — accounting for rising prices over time. For India, a 5–6% inflation assumption is typically used for conservative long-term planning.
An FD gives a fixed interest at a flat rate, fully taxable as per your income slab. An SWP from an equity mutual fund draws down units from your portfolio — and gains are taxed as capital gains, which can be lower. Also, the remaining corpus in SWP continues to potentially grow with the market. However, SWP carries market risk, unlike an FD.
A paused SIP doesn't compound during the break period. Our SIP calculator assumes uninterrupted monthly investments throughout the tenure. If you pause even for 2–3 months, the actual final corpus will be lower than the calculator shows. Consistency is one of the biggest factors in SIP success.
Almost always, yes — if your income grows. A 10% annual step-up in SIP, over 20 years, can result in a corpus that is 50–70% larger than a flat SIP of the same starting amount. But the right choice depends on your cash flow situation. A step-up SIP works best when your income is expected to grow steadily.
Enable the inflation option in the calculator and enter an annual inflation rate (5–6% is typical for India). The tool then shows you the "real" monthly withdrawal value in today's money — so you know if your ₹30,000/month withdrawal 15 years from now will actually feel like ₹30,000 today, or closer to ₹15,000.
Yes. Our SIP calculator works for any mutual fund type — equity, debt, hybrid, or ELSS (tax-saving funds). For ELSS, just note that there is a 3-year lock-in per SIP instalment. The returns are taxable under LTCG after redemption. Use 10–12% return assumption for ELSS planning.
As per current rules (FY 2025–26), Long-Term Capital Gains from equity mutual funds above ₹1.25 lakh per financial year are taxed at 12.5% without indexation. Gains below ₹1.25 lakh are exempt. Short-term gains (units held less than 12 months) are taxed at 20%. Always verify current tax rates with your advisor or at the SEBI investor portal.
Absolutely. Our calculator has no time limit. You can run projections for 5, 10, 15, 20, or even 30 years. In our experience, many clients are shocked at the difference even 5 extra years makes. The compounding curve gets steeper the longer you stay invested.
The standard SIP return formula is:
FV = P × {[(1 + r)^n – 1] / r} × (1 + r)
Where:
- FV = Future value of the investment
- P = Monthly SIP amount
- r = Monthly rate of return (annual rate ÷ 12)
- n = Total number of months (years × 12)
Our calculator applies this formula automatically the moment you enter your inputs.
Ready to Start Your SIP? Let's Talk.
We help people across Bangalore and across India plan and execute their SIP investments — with mutual fund options that match their goals, risk appetite, and timeline. Whether you're starting with ₹500 a month or ₹50,000, we'll help you find the right fit.
Open a Free Demat Account → — Takes under 10 minutes.
Or contact our team for a free one-on-one consultation.
