SIP calculator

See how a monthly SIP could grow over time. Enter your monthly amount, expected yearly return and time period, and optionally a yearly step-up.

₹

₹10,000 a month

%
Yr
%

0 = same amount every month

Estimated value after 10 years

₹22,40,359

22.4 lakh

Total invested
₹12,00,000
Estimated returns
₹10,40,359

Returns are not guaranteed. Mutual fund returns go up and down; this shows what a steady return would give, for planning only.

How to use

  1. Enter how much you plan to invest every month.
  2. Enter an expected yearly return. Use a conservative number.
  3. Set how many years you will keep investing.
  4. Optionally add a yearly step-up, then open the year-by-year table.

More investment calculators

How time grows a SIP

A SIP of ₹10,000 a month at an assumed 12% a year. Notice how the returns overtake the money you put in as the years go by: that is compounding.

PeriodYou investEstimated valueReturns
5 years₹6,00,000₹8,11,036₹2,11,036
10 years₹12,00,000₹22,40,359₹10,40,359
15 years₹18,00,000₹47,59,314₹29,59,314
20 years₹24,00,000₹91,98,574₹67,98,574
25 years₹30,00,000₹1,70,22,066₹1,40,22,066

Regular SIP vs step-up SIP

Over 15 years at 12%, a regular ₹10,000 SIP could grow to about ₹47,59,314 (47.59 lakh). Raising the SIP by 10% every year could grow it to about ₹82,74,718 (82.75 lakh), with ₹38,12,698 invested in total instead of ₹18,00,000.

The SIP formula, with an example

FV = P × ((1 + i)n − 1) ÷ i × (1 + i)

  • P is the monthly SIP amount
  • i is the monthly rate that grows to your yearly return: (1 + yearly % ÷ 100)1/12 − 1
  • n is the number of months

For ₹5,000 a month at 12% for 5 years: i = (1.12)1/12 − 1 ≈ 0.00949 and n = 60, giving about ₹4,05,518 from ₹3,00,000 invested.

Tips for planning

  • Use a conservative return for planning. Past returns do not guarantee future ones.
  • Stay invested for the long term. Compounding does most of its work in the later years.
  • Increase your SIP when your income grows, even by a small amount.
  • Review your investments once a year rather than reacting to daily market moves.

This calculator shows estimates based on a fixed return you choose. Mutual fund investments are subject to market risk, and actual returns will vary. It is not investment advice; consider speaking to a registered financial adviser for your situation.

Frequently asked questions

What is a SIP?

A SIP (Systematic Investment Plan) is a way of investing a fixed amount in a mutual fund at regular intervals, usually every month, instead of all at once.

How is the SIP value calculated?

It uses the standard formula FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is the monthly amount, n is the number of months and i is the monthly rate that grows to your yearly return over 12 months: i = (1 + yearly % ÷ 100)^(1/12) − 1. It assumes you invest at the start of each month.

What is a step-up SIP?

A step-up SIP increases your monthly amount by a fixed percentage every year, for example 10% as your income grows. Even a small step-up makes a large difference over long periods.

Why is my result slightly different from some other SIP calculators?

Some calculators divide the yearly return by 12 to get a monthly rate. That compounds to a little more than the return you entered (9% becomes about 9.38% a year), so their results come out higher. This calculator uses the monthly rate that grows to exactly your yearly return, which matches how fund returns are reported.

Are these returns guaranteed?

No. Mutual fund returns change with the market and can be negative in some years. The calculator assumes a steady return so you can plan; real results will differ. It is not investment advice.

Does this include tax and fund charges?

No. The result is before tax and assumes the return you enter is already after fund expenses. Check the fund's expense ratio and current tax rules separately.

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