SIP Calculator with Step-Up, Goal & SWP

To reach ₹1 crore in 15 years at 12% annual returns, you need approximately ₹19,819/month via SIP. With a 10% annual step-up, the starting SIP reduces to around ₹12,000/month. Use the Goal Calculator mode above — enter ₹1 crore as your target and your preferred timeline to get your exact SIP amount instantly.

A Step-Up SIP increases your monthly SIP amount by a fixed % every year — typically 10%. Since your salary usually grows 8–12% annually, a Step-Up SIP ensures your investments grow with your income. Over 20 years, a ₹10,000 SIP with 10% step-up generates 55–65% more corpus than a flat ₹10,000 SIP — often the difference between a comfortable retirement and a stressful one.

The 30X rule states your retirement corpus should be at least 30× your current annual expenses. If you spend ₹8L/year today, you need ₹2.4 crore minimum. This ensures your portfolio generates enough returns (at 6–8% withdrawal rate) to sustain you for 25–30 years in retirement without depleting the principal. Enable the "30X Rule Check" toggle in the SIP Calculator to see if your goal meets this threshold.

An SWP lets you withdraw a fixed monthly amount from your mutual fund corpus — like a self-funded pension. For example, ₹1 crore at 10% returns can sustain ₹75,000/month withdrawals for 20+ years. SWP is more tax-efficient than FD interest: only the gains component of each withdrawal is taxed, not the entire withdrawal amount. Use the SWP Simulator tab above to see how long your corpus will last.

A 5-year delay is devastating to compounding. ₹10,000/month SIP at 12% return started at age 25 gives ₹3.53 crore by 55. Starting at 30 gives only ₹1.76 crore — a loss of ₹1.77 crore from just a 5-year delay! The first few years do most of the compounding work. Use the Cost of Delay tab to see your exact loss amount based on your age and SIP amount.

SIP is better for most regular investors because of Rupee Cost Averaging — you buy more units when markets fall, reducing your average cost. Lumpsum beats SIP only if you invest at the exact market bottom (impossible to predict consistently). SEBI recommends SIP for salaried investors. For large one-time amounts (bonus, inheritance), a mix of lumpsum + SIP over 6–12 months is the optimal approach.

Yes — completely flexible. Most mutual funds allow you to pause, modify, or stop SIP anytime online via the AMC app, MF Central, or your advisor's platform. You can increase amounts (Step-Up), reduce during financial stress, or redirect to a different fund. There are no exit loads or penalties for changing SIP amounts in most open-ended equity and debt funds.

The Nifty 50 has delivered ~13–14% CAGR over 20 years (2004–2024). Actively managed large-cap funds: 10–13%. Flexi-cap and mid-cap funds: 13–17% over long periods. For retirement planning, SEBI recommends using 10–12% as a conservative assumption. Our calculator defaults to 12% — you can adjust this to match your fund choice and risk appetite.