SIP Calculator

Enter your monthly SIP, an expected return and the period. Add a yearly step-up to see the effect of increasing your SIP as your income grows. The year-by-year table shows how much is your money and how much is growth.

Quick answer

SIP future value = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the monthly amount, i the monthly return (yearly % ÷ 12 ÷ 100) and n the number of months. ₹10,000 a month for 10 years at 12% a year grows to about ₹23.2 lakh on ₹12 lakh invested.

How to use the SIP Calculator

Enter the monthly SIP amount.
Enter an expected yearly return (be conservative).
Enter the number of years and an optional yearly step-up.
Read the estimated value, gains and the yearly table.

Worked example

₹10,000 a month, 12% a year, 10 years: invested ₹12,00,000, estimated value ≈ ₹23,23,391.

Formula

FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i)

Frequently asked questions

Are SIP returns guaranteed?

No. Equity and hybrid mutual fund returns vary from year to year and can be negative. The calculator assumes a steady return only to illustrate compounding.

What return should I assume?

Use a range. Long-term equity index returns in India have historically been around 10–13% a year, but past returns do not guarantee future ones. Try 8%, 10% and 12% to see the spread.

What does step-up mean?

Raising your SIP by a fixed percentage every year, for example 10% when you get a raise. Small step-ups make a large difference over 15–20 years.

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