SIP Calculator - Plan Best Mutual Fund Returns
Estimate future value of your monthly investments with step-up SIP, lumpsum, and year-wise projections.
Understanding SIP Returns and Wealth Creation
A Systematic Investment Plan (SIP) Calculator is an essential tool for investors building long-term wealth. Whether you're targeting the best SIP plans for 2026 or stable blue-chip funds, our calculator helps you estimate the final corpus based on monthly contributions and expected annual returns.
How to Choose the Best Mutual Funds for SIP?
Calculating returns is the first step. The next is picking the best mutual funds matching your goals:
- Best Small Cap Funds: High growth potential, higher risk, 10+ year horizon.
- Large Cap & Blue Chip: Stable returns with moderate risk.
- ELSS Funds: Tax saving under Section 80C with 3-year lock-in.
Explore our Top 5 Small-Cap Mutual Funds for 2026 .
How Does Step-up SIP Work?
The "Monthly Top-up" feature represents a Step-up SIP. Increase your SIP by a fixed amount each year (e.g., ₹500 or ₹1,000) to beat inflation and reach your goals faster than a static SIP.
Frequently Asked Questions
What is a good return rate for SIP?
Historically, Indian equity mutual funds deliver 12%–15% CAGR over 10+ years. Small-cap funds have occasionally delivered more, with higher volatility.
Which is the best SIP for 5 years?
For a medium-term goal, aggressive investors often pick Mid-cap or Large & Mid-cap funds; conservative investors prefer Hybrid. Check our Fund Analysis Tool before investing.
Can I start SIP with ₹500?
Yes, most best SIP plans in India allow starting from ₹500/month.
Open a Free Demat & Trading Account in 5 Minutes
Start investing in stocks, mutual funds, IPOs, bonds & ETFs with India's most trusted discount broker — Zerodha. Zero account opening charges, paperless Aadhaar KYC, and lowest brokerage rates (₹0 on equity delivery).
- Zero account opening fee
- ₹0 brokerage on equity delivery
- Invest in 1.6 Cr+ investor trusted platform
- Paperless Aadhaar e-KYC in 5 minutes
* Zerodha is SEBI-registered. Account opening subject to KYC approval.
Trusted by 1.6 Cr+ Indian Investors
Zerodha is India's largest stock broker by active clients (NSE data, 2026).