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Investment planning tool

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.

Practical guidance

Use the SIP Calculator with confidence

Project monthly SIP contributions with optional annual step-up. Separate invested capital from assumed growth and export the yearly projection.

Worked example

Enter ₹10,000 monthly, 12% assumed annual return, 10 years and 0% step-up. Contributions total ₹12,00,000; estimated value is ₹23,23,391 and gains ₹11,23,391, rounded to whole rupees.

Assumptions and limits

Annual return is divided by 12; it is not converted from an effective annual yield. Duration rounds to the nearest month. Returns remain constant in the model; losses, volatility, fees, taxes and inflation are not simulated. Actual market-linked value can be lower than contributions.

How to read the result

Deposits occur at the beginning of each month, so even the final contribution earns one month of assumed growth. With a 10% step-up, ₹10,000 becomes ₹11,000 per month in year two. Increased contributions are part of invested capital, not investment gains.

Inputs and units

Enter the first monthly contribution in rupees, assumed annual return percentage, duration in years, and annual contribution increase percentage. Set step-up to 0% for a fixed SIP.

Formula and variables

Each month: balance = (previous balance + contribution) × (1 + annual percentage / 1200). After each full 12 months, contribution increases by the annual step-up percentage.

Comparisons and common mistakes

Compound Interest models an opening lump sum plus end-of-month additions and converts the selected compounding frequency to a monthly growth rate. Different timing and rate conventions explain why matching headline inputs may not give the same result.

Is the 12% example a forecast or guaranteed return?

No. It is only a reproducible scenario. Try lower assumptions and assess the investment risk separately; a positive projection cannot establish that a scheme is suitable.

Guide checked

Guide checked against the web calculator by an automated coding assistant. Independent professional review is not recorded.

Substantive guide update: .

Read our calculation methodology

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