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- Enter your monthly SIP, expected yearly return and time period.
- See the estimated value, total invested and estimated returns.
- Add an annual step-up, a starting lump sum or inflation in the advanced options.
- Works in INR, USD and GBP for any regular monthly investment.
How to use the SIP calculator
Enter the monthly investment
Type the amount you invest every month, for example ₹10,000.
Set an expected return
Use a realistic long-term yearly return. Equity funds are not guaranteed, so try a few rates.
Choose the time period
Enter how many years you plan to keep investing.
Fine-tune if needed
Add a yearly step-up, a one-time lump sum or an inflation rate to see the value in today’s money.
How SIP returns are calculated
A systematic investment plan (SIP) puts a fixed amount into a fund every month. Each instalment grows from the day it is invested, so the final value is the sum of many small investments held for different lengths of time. Like most Indian SIP calculators, this one assumes each instalment is invested at the start of the month.
SIP future value formula
FV = P × [((1 + i)n − 1) ÷ i] × (1 + i)
P = monthly investment
i = monthly return = yearly return ÷ 12
n = number of monthly instalments
With a step-up the instalment rises every 12 months, so the calculator adds up each instalment month by month instead of using the single formula.
Some people prefer an effective monthly rate, (1 + yearly return)1/12 − 1, which reproduces the yearly return exactly. It gives a slightly lower figure, and you can switch to it in the advanced options.
SIP calculation examples
Example 1: ₹10,000 a month for 10 years at 12%
The standard SIP calculation used by most fund websites.
Using the effective monthly rate instead, the value would be ₹22,40,358.90.
Example 2: the same SIP with a 10% yearly step-up
The monthly SIP rises by 10% every year.
Raising the SIP with your income adds over ₹10 lakh to the final value in this example.
Example 3: ₹5,000 a month for 20 years at 12%
A smaller SIP held for longer.
The same ₹12 lakh invested over 20 years instead of 10 more than doubles the final value. Time matters more than the monthly amount.
Reference: ₹10,000 a month at 12%
Estimated value by time period.
These figures assume a steady 12% every year. Real fund returns move up and down.
SIP vs lump sum
If you invested the same ₹12,00,000 as a single lump sum on day one at 12% a year, it would grow to about ₹37,27,018 in 10 years, far more than the SIP. That is because the whole amount is invested for the full period. In practice a SIP spreads your entry over many market levels and fits a monthly salary, while a lump sum suits money you already have. For a fixed-rate lump sum, use the compound interest calculator; for guaranteed monthly savings, see the RD calculator.
Where a SIP calculator helps
Retirement planning
See how a monthly SIP could grow over 20 or 30 years.
Child’s education
Work out the SIP needed for a goal 10–15 years away.
Step-up planning
Check how much a yearly increase in your SIP adds.
Real value
Add inflation to see what the final amount is worth in today’s money.
Mutual fund investments are subject to market risk. This calculator assumes a constant return and does not include fund expenses, exit loads or tax. Past returns do not guarantee future returns; speak to a registered adviser before investing.
SIP calculator FAQ
What return should I use for a SIP?
There is no fixed answer. Many people test 10%, 12% and 14% for equity funds and lower rates for debt funds to see a range of outcomes.
Is the SIP calculator result guaranteed?
No. It shows what a steady return would produce. Actual mutual fund returns vary every year and can be negative.
What is a step-up SIP?
A step-up SIP increases your monthly investment by a fixed percentage every year, usually to match salary increases.
Why does my fund website show a slightly different figure?
Calculators differ on whether the instalment is invested at the start or end of the month and how the monthly return is derived. This one uses the common start-of-month method.
Is SIP better than a lump sum?
With a steady return a lump sum earns more because it is invested longer. A SIP reduces the risk of investing everything at a market peak and suits regular income.
Can I use this outside India?
Yes. Choose USD or GBP. The same maths applies to monthly contributions to an index fund, ISA or 401(k).