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SIP Calculator

Estimate how much your monthly investments could grow to over time. Enter your monthly amount, expected return and period, add an optional yearly step-up, and see a year-by-year projection.

  • Annual step-up option
  • Year-by-year table
  • Nothing is stored
Estimated value at the end0
0×of money invested
Amount invested: 0
Estimated returns: 0

Year-by-year growth

YearMonthly SIPInvested so farEstimated valueEstimated returns

How to use the SIP Calculator tool

  1. Enter your monthly investmentType the amount you plan to invest every month, or use the slider.
  2. Set the expected returnEnter a realistic yearly return. Past returns of your fund category can be a guide, but they are not guaranteed.
  3. Choose the time periodEnter the number of years you plan to stay invested.
  4. Add a step-up (optional)If you plan to increase your SIP every year, for example by 10% as your income grows, enter the percentage.

What you get

  • Future valueThe estimated value of your investments at the end of the period.
  • Invested vs returnsA clear split between the money you put in and the estimated growth.
  • Step-up SIPSee how increasing your installment each year changes the outcome.
  • Yearly projectionA table with the invested amount and estimated value at the end of every year.

What is a SIP?

A Systematic Investment Plan (SIP) is a way of investing a fixed amount at regular intervals, usually every month, in a mutual fund or similar investment. Instead of trying to time the market with a lump sum, you invest steadily. When prices are low, your fixed amount buys more units; when prices are high, it buys fewer. This is known as rupee-cost or dollar-cost averaging. Similar monthly plans exist worldwide, often called regular savings plans or automatic investment plans.

How the SIP calculator works

For a fixed monthly amount, the standard SIP formula is:

FV = P × ((1 + i)n − 1) ÷ i × (1 + i)
  • P is the monthly investment.
  • i is the monthly rate of return: the annual rate ÷ 12 ÷ 100.
  • n is the number of monthly installments.

The final “× (1 + i)” reflects that each installment is invested at the start of the month and grows for that month. With a step-up, the calculator simulates every month individually and raises the installment at the start of each new year.

Example

Investing 5,000 per month for 10 years at an expected 12% a year means investing 600,000 in total. The estimated value at the end is about 1,161,695, of which about 561,695 is growth.

With a 10% annual step-up (5,000 in year 1, 5,500 in year 2, and so on), you invest about 956,245 and the estimated value rises to about 1,687,163.

The power of time

Compounding means returns themselves start earning returns. That makes the length of time you stay invested one of the biggest drivers of the final value, often more important than the exact monthly amount. Try changing the period from 10 to 20 years in the calculator: the invested amount doubles, but the estimated value grows by far more than double.

Important to remember

  • Returns are not guaranteed. Equity and hybrid funds go up and down. The calculator assumes a constant return every year, which real markets never deliver.
  • Use conservative assumptions. Plan with a return you would be comfortable with if markets underperform.
  • Costs and taxes are not included. Fund expense ratios, exit loads and capital-gains taxes reduce your actual returns.
  • Inflation reduces purchasing power. A future value in today’s money will buy less than the same amount today.

This calculator is an educational estimate, not financial advice. Read the scheme documents carefully and consider speaking with a registered financial advisor before investing.

Frequently asked questions

How is SIP return calculated?
The calculator uses FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is the monthly amount, i is the monthly rate of return and n is the number of months. With a step-up, it simulates each month individually.
What is a step-up SIP?
A step-up SIP increases your monthly installment by a fixed percentage every year, usually in line with salary growth. It can significantly increase the final value.
Is the result guaranteed?
No. The result is an estimate based on a constant rate of return. Actual market returns vary from year to year and can be negative.
What return should I assume?
Use a conservative figure based on the long-term history of the type of fund you plan to invest in, and remember that past performance does not guarantee future results.
Does it include taxes and fees?
No. Expense ratios, exit loads and taxes are not included, so actual returns will be somewhat lower.