SIP Calculator
See what a systematic investment plan could grow to. Enter the monthly instalment, the annual return you expect and the number of years, and optionally a yearly step-up – the percentage by which you raise the instalment each year. The calculator shows the expected maturity value, the total amount invested, the estimated gains and the wealth ratio, using the standard SIP formula with instalments at the start of each month.
- Runs in your browser
- No sign-up
- Free to use
Increase the monthly amount by this much every year.
Returns of market-linked investments are not guaranteed; this shows what a constant return would produce.
How to use SIP Calculator
- Enter the monthly instalment.
- Set the expected return and the period.
- Optionally add a yearly step-up.
- Read maturity value and gains.
SIP Calculator features
Step-up SIP
Increase the instalment each year.
Standard formula
Instalments at the start of each month.
Gains vs invested
Clearly separated.
Any currency
Rupees, dollars or others.
Formula shown
Every result explains how it was calculated.
Private
Runs in your browser; nothing is sent or stored.
When to use SIP Calculator
- Planning mutual fund investments.
- Setting a goal-based SIP.
- Comparing a fixed and a step-up SIP.
- Explaining compounding to new investors.
SIP Calculator FAQ
What is a SIP?
A systematic investment plan invests a fixed amount at regular intervals, usually monthly, into a mutual fund or similar investment.
Is the return guaranteed?
No. Market-linked returns vary from year to year; the calculator shows what a constant return would produce.
What return should I enter?
A conservative long-term figure for the fund type, after fees. Equity funds are often modelled at 10–12% in India, lower elsewhere.
Why use a step-up?
Raising the SIP as your income grows can increase the final amount significantly.
What is a step-up SIP?
A plan where the monthly instalment increases by a set percentage each year, usually in line with income growth.
How SIP returns are calculated
Each instalment grows for the months that remain until maturity. The first instalment compounds for the whole period, the last for just one month. Adding them up gives the maturity value.
Because returns compound, the gains grow faster in later years; a SIP held for 20 years can earn more than twice the gains of one held for 10.
Example: 5,000 a month for 10 years at an expected 12% annual return grows to roughly 11.5–11.6 lakh on 6 lakh invested, depending on whether instalments are counted at the start or end of each month. A yearly step-up raises the final value considerably because later instalments are larger.
Market-linked investments do not earn a fixed return; 12% is an assumption, and actual results can be higher or lower, including losses. This calculator is for planning only and is not investment advice.