SIP Calculator

Estimate invested capital, potential gains, and future value with optional annual step-up contributions.

Monthly investment₹

Expected annual return12 %

Investment duration10 Years

Annual SIP step-up0 %

Increase the monthly SIP once every year. Use 0% for a fixed SIP.

SIP result

Future value estimate

Your SIP projection will appear here

SIP guide

How SIP growth works

SIP formula

FV = P × ((1+r)ⁿ−1) ÷ r × (1+r)

P is monthly investment, r monthly return, and n number of contributions. Results are estimates, not guaranteed returns.

Good SIP habits

✓ Invest consistently through market cycles.
✓ Increase contributions as income grows.
✓ Review goals and risk periodically.

Frequently asked questions

What is SIP?

A Systematic Investment Plan invests a fixed amount at regular intervals, usually monthly, into a mutual fund or similar investment.

How are SIP returns calculated?

Each monthly contribution compounds for a different length of time. This calculator assumes deposits at the beginning of each month and applies the expected monthly return.

What is an annual step-up SIP?

A step-up increases the monthly contribution once each year. It can help investments grow with income and inflation.

Are SIP returns guaranteed?

No. Market-linked returns can be higher or lower than the estimate. The expected rate is only an assumption.

SIP or lump sum: which is better?

SIP spreads investments across time and supports regular saving. Lump sum invests available capital immediately. Suitability depends on cash flow and risk.