Step-up SIP increases your monthly investment amount by a fixed percentage each year, typically aligned with your salary increment. For example, starting at ₹5,000/month and stepping up 10% annually significantly grows your final corpus compared to a flat SIP.

Is TekproAI SIP calculator free?

Yes, completely free. No login required, no data stored. Includes SIP, Lumpsum, Step-up SIP, Goal Planner and inflation-adjusted returns — all free.

SIP / MF Calculator

SIP Investment Details

Monthly SIP ₹

10K

₹

Expected Return % p.a.

12%

Investment Period Years

15Y

Yrs

Inflation Rate % p.a.

Tax Bracket

📈 Step-Up SIP Increase your SIP amount every year

Annual Increase %

Max SIP Cap ₹ optional

₹

Plan SIP + SWP retirement together? Try the Combo Planner →

ⓘ Results are illustrative estimates only. Not financial advice.

■ Invested ■ Gains

Portfolio Growth Over Time

📊 Year-wise Breakdown

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💡 Smart SIP Tips

🚀

Start early, invest small — ₹5,000/month for 30 years at 12% beats ₹20,000/month for 10 years. Time is your biggest asset.

📈

Step-up annually — Increasing SIP by 10% each year with salary hikes can nearly double your final corpus.

🧠

Stay invested in dips — SIPs are designed for all weather. Dips mean you buy more units, benefiting when markets recover.

⚖

Lumpsum vs SIP — If markets are at a low, lumpsum can outperform. If uncertain, SIP reduces risk via rupee cost averaging.

💸

LTCG above ₹1 lakh — Equity MF gains above ₹1L/year taxed at 10%. Plan redemptions wisely to minimise tax outgo.

Frequently Asked Questions

How is SIP return calculated?

SIP returns use compound interest applied to each monthly instalment accounting for the time value of money. TekproAI also computes XIRR for accurate annualised return measurement across all your SIP payments.

What is Step-up SIP?

Step-up SIP increases your monthly investment by a fixed percentage each year — typically aligned with your salary increment. Starting at ₹5,000/month and stepping up 10% annually significantly grows your final corpus compared to a flat SIP.

What is the difference between SIP and Lumpsum?

SIP invests a fixed amount monthly, averaging out market volatility through rupee cost averaging. Lumpsum invests the entire amount at once — better when markets are low. TekproAI calculates both so you can compare outcomes for your situation.

What is XIRR in mutual funds?

XIRR (Extended Internal Rate of Return) is the most accurate way to measure SIP returns as it accounts for the timing of each cash flow. Unlike simple CAGR, XIRR handles irregular investment amounts and dates. TekproAI computes XIRR automatically.

How do I plan for a financial goal using SIP?

Use the Goal Planner tab above. Enter your target amount, timeline, and expected return — TekproAI reverse-calculates the exact monthly SIP needed to reach your goal, with and without step-up.

⚠️

For educational use only. Results are estimates based on standard formulas. TekproAI is not a SEBI-registered investment advisor or RBI-regulated entity. Do not make financial decisions solely based on these results.

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