How to use the sip calculator
- Enter your monthly investment.
- Enter the expected yearly return and the number of years.
- See the invested amount, estimated returns, and total value.
About this tool
A SIP invests a fixed amount every month. Enter your monthly amount, the return you expect each year and the number of years to see the invested amount, estimated gains and final value. Add a yearly step-up to model increasing your SIP as your income grows. Returns are estimates and not guaranteed.
How a SIP grows
Each month your instalment buys fund units. Gains from earlier months earn further gains, which is compounding. The calculator treats the return as a steady yearly rate divided into 12 monthly steps and assumes each instalment is invested at the start of the month. Real equity fund returns are uneven, so treat the result as a planning figure, not a promise.
What ₹10,000 a month becomes in 10 years
The expected return changes the answer a lot. Total invested is ₹12,00,000 in every row.
| Expected return | Value after 10 years | Gain |
|---|---|---|
| 8% | ₹18,41,657 | ₹6,41,657 |
| 10% | ₹20,65,520 | ₹8,65,520 |
| 12% | ₹23,23,391 | ₹11,23,391 |
| 15% | ₹27,86,573 | ₹15,86,573 |
The effect of a yearly step-up
Most people earn more each year, so a SIP that rises with income builds a larger corpus. Starting at ₹10,000 a month with a 10% yearly step-up and 12% return, the 10-year value is about ₹33,74,326 on ₹19,12,491 invested, compared with ₹23,23,391 for a flat SIP. Use the step-up field to test your own plan.
Time matters more than amount
The same ₹10,000 a month at 12% grows to about ₹99.9 lakh over 20 years on ₹24 lakh invested. Doubling the period more than quadruples the result, because later years compound on a bigger base. Starting early and staying invested through market falls does more than chasing a higher return.
Choosing a realistic return
Use a conservative number for planning. Debt funds have usually earned less than equity funds, and equity returns vary widely by period and category. Try 8%, 10% and 12% side by side. Remember that the calculator ignores expense ratio, exit load, taxes on gains, and inflation, so your actual after-tax, inflation-adjusted growth will be lower.
Frequently asked questions
What return should I assume?
Equity mutual funds have historically returned roughly 10 to 14% over long periods, but nothing is guaranteed. Try several rates.
What formula is used?
FV = P × [((1+i)^n − 1) ÷ i] × (1+i), with i as the monthly rate and n as the number of months.
Does it include tax and expense ratio?
No. Your actual return is after fund costs and capital gains tax.
Are SIP returns guaranteed?
No. Mutual fund values move with markets. The calculator shows what would happen at a steady assumed return, which is rarely how markets behave.
What is a step-up SIP?
A SIP whose monthly amount rises by a fixed percentage each year, for example 10%, so your investing keeps pace with your income.
SIP or lump sum?
A SIP spreads your purchases over time and suits regular income. A lump sum puts all the money to work immediately and suits a windfall, but it is more exposed to the timing of the market.