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SIP Calculator

A systematic investment plan puts the same amount into a fund every month. Enter that monthly amount, the yearly return you want to assume and how many years you plan to invest, and the calculator projects the final value, how much of it is your own money and how much is growth. A year-by-year table shows how compounding speeds up over time, and an optional step-up models raising your SIP each year.

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Calculate Your SIP Returns

Returns from mutual funds are not fixed. This projection applies one assumed rate every month; actual values will differ. Not financial advice.

Amount invested every month.
Your assumption; not guaranteed.
Raise the instalment by this % each year.

How to Use the SIP Calculator

  1. Enter the monthly investment, the annual return you want to assume and the number of years.
  2. Optionally add a yearly step-up percentage, and choose whether instalments go in at the start or end of each month.
  3. Press Calculate.
  4. Read the estimated value, total invested and gains, then check the year-by-year table and the formula.

About This Tool

New mutual-fund investors sizing a monthly SIP, people comparing a 10-year and 20-year plan, and anyone checking a figure quoted by an app or distributor.

Input: Numbers  ·  Output: Estimated value and yearly table.

Features and Limitations

Features

  • Standard SIP future-value formula, with each step shown.
  • Optional annual step-up of the instalment.
  • Start- or end-of-month instalments and a choice of monthly-rate convention.
  • Year-by-year table plus an invested-versus-gains bar with a text legend.
  • Indian lakh/crore grouping or international number format.

Limitations

  • Uses one constant return; real market returns vary and can be negative over some periods.
  • Exit loads, stamp duty, capital-gains tax and missed instalments are not modelled.
  • Whole years only (1 to 60).
  • An estimate for planning, not financial advice or a recommendation to buy any fund.
  • Results are computed in your browser; nothing you enter is sent to a server.

Example

₹10,000 a month for 10 years at an assumed 12% a year (1% a month, start-of-month instalments) gives about ₹23,23,391: ₹12,00,000 invested and roughly ₹11.23 lakh of estimated gains.

Frequently Asked Questions

What formula does the SIP calculator use?

FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is the monthly amount, i the monthly rate (annual rate ÷ 12 ÷ 100) and n the number of months. The final × (1 + i) applies because SIP instalments are invested at the start of each month.

Why do other SIP calculators give slightly different answers?

Some convert the annual return to a monthly rate with (1 + r)^(1/12) − 1 instead of r ÷ 12, and some assume end-of-month instalments. Both options are available here so you can match the other figure.

Is 12% a realistic return?

Nobody can promise a return. Equity funds have had good and bad decades. Try a few rates, for example 8%, 10% and 12%, to see a range rather than a single number.

What does a step-up SIP do?

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

Does this include tax?

No. Gains on mutual funds may be taxed when you redeem them; the result shown is before any tax.

Related Tools

More like this: all Finance tools, all Calculators tools or the TinySandy home page.