SIP Calculator

How to use the SIP Calculator

1. Enter how much you plan to invest every month, or pick a preset amount.
2. Enter an expected annual return — this is your own assumption, not a promised rate.
3. Set how many years you plan to stay invested.
4. Optionally open Advanced options to add a yearly step-up, adjust for inflation, include a starting lump sum, or change contribution timing.
5. Your future value, total invested and estimated returns update instantly as you type.

What is a SIP calculator?

A SIP (Systematic Investment Plan) calculator projects what a series of fixed monthly investments into a mutual fund could grow to over time, based on an assumed rate of return. Instead of manually working out compounding across hundreds of months, the calculator does it instantly and shows how much of the final amount is your own money versus estimated growth.

How the calculation works

Each month, your contribution is added to your running total, and the whole balance then grows by that month’s share of your expected annual return. Because growth is applied every single month, money invested earlier has more time to compound than money invested later — which is why the growth curve accelerates in later years rather than rising in a straight line.

Formula

The yearly return rate you enter is converted into an equivalent monthly rate, so that twelve months of compounding add up to exactly that yearly return:

Monthly rate = (1 + annual rate)^(1/12) − 1

This is slightly different — and more accurate — than simply dividing the annual rate by 12. If step-up is enabled, the monthly contribution itself increases at the start of each new year, by either a percentage or a fixed rupee amount.

Worked example

Investing ₹10,000 every month for 20 years at an assumed 12% annual return results in a total investment of ₹24,00,000 and an estimated future value of roughly ₹91.1 lakh — of which about ₹67.1 lakh is estimated growth. Actual results will vary with real market returns.

Understanding your result

• Total invested is simply the sum of every contribution you made, with no growth included.
• Estimated returns is the gap between your future value and total invested — the portion driven by compounding at your chosen return rate.
• Future value is total invested plus estimated returns combined, shown both in compact form (like ₹91.12 L) and in full.

Factors that affect your SIP growth

• Duration matters more than almost anything else — compounding needs time to work.
• Return rate has a large effect, especially over long periods; small differences compound significantly.
• Step-up contributions can meaningfully increase your final corpus without a large early monthly commitment.
• Contribution timing (start vs. end of month) has a small but real effect on the total.

Common uses

People use this calculator to plan retirement savings, estimate progress toward a house down-payment, compare a flat SIP against a step-up SIP, or work backward from a target amount (like a child’s education fund) to find the monthly SIP needed using Plan for a goal above.

Important notes & limitations

• Return assumptions are inputs you control, never a promise of what a fund will deliver.
• Inflation-adjusted figures estimate purchasing power, not a separate investment.
• Step-up SIP assumes you can and will increase contributions every year as planned.
• The calculator does not account for fund expense ratios, exit loads or taxes on redemption.