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
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.