Compare two Systematic Investment Plans (SIP) side-by-side. Analyze expected returns, invested amounts, and wealth accumulation over time.
Plan A yields more returns than Plan B.
When comparing mutual fund SIP plans, small details like a 1% or 2% higher return rate might seem insignificant in the short term. However, over a 15, 20, or 25-year tenure, the compounding formula multiplies returns exponentially.
Similarly, starting a SIP earlier gives your assets extra years to build compounding cycles. That is why comparing plan structures side-by-side helps maximize long-term portfolio growth.
SIP plans utilize Rupee Cost Averaging. When equity markets slide, your fixed monthly payment purchases more mutual fund units. When markets climb, it buys fewer units.
This disciplined methodology shields your portfolio from the pressure of market timing, making it a reliable vehicle for long-term goal planning.
When two SIP plans differ on multiple variables at once, it's easy to misjudge which one actually wins. A higher monthly amount always scales the final corpus linearly, but a higher expected return rate scales it exponentially over a long tenure — a 2% rate difference over 20 years can outweigh a substantially larger monthly contribution.
Duration matters most of all, because compounding needs time to work. Extending a SIP by even 5 extra years typically adds more to the final corpus than doubling the monthly investment amount for a shorter period, since the bulk of SIP growth happens in the last stretch of the tenure.
This calculator assumes a flat monthly investment for the entire tenure, but most salaried investors can afford to increase their SIP contribution every year as their income grows. A "step-up" SIP that rises by even 10% annually can significantly outgrow a flat SIP of the same starting amount over 15-20 years.
If Plan A and Plan B in your comparison represent a flat vs a step-up strategy, remember the figures above reflect flat contributions only — a step-up plan's real advantage compounds silently in the background and won't show up unless you re-run the comparison at a higher effective average investment.
Unlike a loan or a fixed deposit, the return rate you enter for a SIP is an assumption, not a guarantee — actual mutual fund returns fluctuate year to year based on market performance. A plan projected at 14% looks better on paper than one at 12%, but that gap is only meaningful if both assumptions are equally realistic for the fund category being considered.
When comparing two SIP scenarios, it's safer to test both plans at the same conservative rate first (e.g. 10-12% for equity funds) before comparing them at their optimistic, best-case rates — this avoids over-crediting a plan simply because it assumed a rosier market.
When comparing two SIP plans, analyze three key inputs: the monthly investment amount, the expected annual return rate, and the investment duration. The plan with a higher return rate or longer duration will build significantly more wealth due to compounding.
A higher expected return rate yields a larger final corpus but usually comes with higher market risk. High-return mutual funds (e.g., small-cap or sectoral funds) are highly volatile, whereas moderate-return funds (e.g., large-cap or index funds) are more stable.
Duration has the most significant impact on your final wealth due to compounding. Compounding gains speed up exponentially in the later years. Investing for 20 years instead of 10 years can yield triple or quadruple the final maturity value for the same monthly amount.
Yes, one of the greatest benefits of mutual fund SIPs is flexibility. You can stop, pause, increase, or decrease your SIP amount at any time without paying any penalty.
Starting early gives your money more time to compound. A person starting a SIP at age 25 with ₹5,000/month will build a vastly larger retirement corpus than a person starting a SIP at age 35 with ₹10,000/month.
SIP investments are taxed only upon redemption. Equity-oriented fund returns held for >1 year are taxed as Long-Term Capital Gains (LTCG) at 12.5% on gains exceeding ₹1.25 Lakh per year. Returns held for <1 year are taxed as Short-Term Capital Gains (STCG) at 20%.
Historically, there is very little difference in returns between weekly, daily, or monthly SIP frequencies. A monthly SIP is usually the most convenient because it aligns with monthly income cycles.
Calculate returns for a single SIP scenario with compounding interest.
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