SIP Calculator

Estimate what a monthly SIP (Systematic Investment Plan) could grow to, based on your expected annual return.

  • Free, updates instantly as you type
  • Shows invested amount vs. estimated returns
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Invested amount
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Estimated returns
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Estimate only — actual mutual fund returns vary and aren't guaranteed. Assumes returns compound monthly at a constant rate, which real markets don't do.

Frequently asked questions

How is SIP return calculated?

This uses the standard SIP future value formula: FV = P × (((1 + i)n − 1) / i) × (1 + i), where P is your monthly investment, i is the monthly rate (annual rate ÷ 12), and n is the number of months. With step-up enabled, it simulates month by month instead, since the formula doesn't have a simple closed form once the contribution changes partway through.

What is a step-up SIP?

A step-up (or "top-up") SIP increases your monthly investment by a fixed percentage every year — matching, say, an expected salary increase — rather than investing the same amount for the whole period. It usually results in a meaningfully higher final value than a flat SIP of the same starting amount.

Is the expected return guaranteed?

No. This calculator assumes a constant annual return for simplicity. Real mutual fund returns fluctuate year to year — use this for rough planning, not as a promise of actual performance.

Does this account for inflation or taxes?

No — this shows the nominal (pre-tax, pre-inflation) future value. Actual purchasing power and post-tax returns will be lower.

What rate should I enter?

There is no single right answer. Use a cautious figure rather than the best past year, and compare a few. A lower, realistic rate gives a safer plan than an optimistic one.

What's the difference between a SIP and a lump sum?

A lump sum invests everything at once; a SIP spreads it over time. If you have a lump sum today, the Compound Interest Calculator shows how it could grow.

What if I miss a month?

The calculator assumes every monthly payment is made. Missing months means less is invested, so the real result would be lower.

How a SIP grows

A SIP (systematic investment plan) puts the same amount into an investment every month. The calculator treats each month's deposit as made at the start of the month and then grows the whole balance by that month's return, repeating this for every month of the period. That is the standard "annuity due" method behind the formula FV = P × (((1 + i)n − 1) / i) × (1 + i), and when you turn on step-up it simply simulates the months one by one.

A worked example

₹5,000 a month at an assumed 12% a year:

PeriodYou investEstimated valueEstimated returns
10 years₹6,00,000₹11,61,695₹5,61,695
15 years₹9,00,000₹25,22,880₹16,22,880
20 years₹12,00,000₹49,95,740₹37,95,740

Going from 10 to 20 years doubles the money you put in, but the estimated value rises more than four times. In this example the returns are roughly equal to your own contributions at around the 10-year mark and then pull ahead quickly, which is why how long you stay invested matters more than the size of the monthly amount.

Step-up SIP

If you raise your monthly amount by 10% every year, the same ₹5,000 start for 10 years invests a total of ₹9,56,245 and gives an estimated ₹16,87,163, against ₹11,61,695 for a flat SIP. Matching your investment to your salary growth makes a large difference, because the later, bigger contributions are added when the balance is already large.

Read the result carefully

  • The return is an assumption, not a promise. The calculator uses one constant annual rate. Real market returns go up and down from year to year, and can be negative.
  • Costs and tax aren't included. Fund expenses and taxes on gains reduce what you actually keep.
  • Try several rates. Run the same plan at a lower, middle and higher return to see the range of outcomes instead of trusting a single number.

This calculator is for understanding and planning. It isn't investment advice, and past returns don't guarantee future ones.

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