A Systematic Investment Plan (SIP) is a disciplined way to invest a fixed amount regularly (monthly, quarterly, or yearly) into mutual funds. SIP helps investors build long-term wealth by benefiting from rupee cost averaging and the power of compounding, without worrying about market timing.

A Step-Up SIP (also known as Top-Up SIP) allows investors to increase their SIP amount every year — either by a fixed amount or a fixed percentage.
This is ideal for salaried individuals whose income grows annually. Even a small yearly increase can significantly boost long-term returns.

A Lump Sum investment is a one-time investment made at a single point in time. It is suitable when you have surplus funds and a long investment horizon. Lump Sum investments benefit mainly from long-term compounding, especially in growth-oriented mutual funds.

Yes.
The MoneyBlasters SIP Calculator is designed to work for:
1. SIP only
2. SIP with Step-Up
3.  Lump Sum only
4. SIP + Step-Up + Lump Sum (combined)
This makes it one of the most complete and flexible investment calculators available online.

The calculator uses industry-standard, monthly compounding-based formulas, aligned with the methodology recommended by AMFI (Association of Mutual Funds in India) for mutual fund projections.
It calculates:
1. Total invested amount
2. Maturity value
3. Total returns
4. Year-wise growth (detailed report)

SIP Future Value Formula (Monthly Compounding)
FV=P×(1+r)n−1r×(1+r)FV = P \times \frac{(1 + r)^n - 1}{r} \times (1 + r)FV=P×r(1+r)n−1​×(1+r)
Where:
P = Monthly SIP amount
r = Monthly rate of return (Annual Return ÷ 12 ÷ 100)
n = Total number of months
This formula is market-accepted and AMFI-aligned, providing realistic long-term projections.

For Step-Up SIP, the calculator applies the SIP formula year by year, increasing the SIP amount annually:
Fixed Amount Step-Up: SIP increases by ₹X every year
Percentage Step-Up: SIP increases by X% every year
Each year’s SIP is compounded monthly, making the calculation more realistic than simple approximations.

Lump Sum Future Value Formula (Annual Compounding)
FV=P×(1+r)nFV = P \times (1 + r)^nFV=P×(1+r)n
Where:
P = Lump Sum investment
r = Expected annual return (in decimal)
n = Number of years
This method reflects how lump sum investments grow in real mutual fund scenarios.

Yes.
The calculator follows AMFI-based, market-standard compounding logic. While actual mutual fund returns depend on market performance, the formulas used here are 100% mathematically correct and widely used across the financial industry.

By showing:
Long-term impact of discipline
Power of Step-Up investing
Combined benefit of SIP + Lump Sum
This calculator helps investors visualize their future wealth, making goal-based planning easier for:
Early retirement
Financial independence
Children’s education
Wealth creation

Yes. SIPs are flexible. You can pause, modify, or stop them anytime. Your existing investments will continue to grow based on market performance.

Approximate long-term expectations:
Equity SIPs: 10–14% annually
Hybrid SIPs: 8–10% annually
Debt SIPs: 6–8% annually
Returns are market-linked and not guaranteed.

SIP generally offers higher long-term growth compared to RD due to equity exposure. However, SIP returns fluctuate, while RDs offer fixed but lower returns.

SIP works best for long-term goals (5+ years). For short-term goals, debt or liquid funds are more suitable.

Once you understand your required investment amount and timeline using this calculator, you can start investing through:
Mutual fund platforms
AMC websites
Registered mutual fund distributors