SIP Calculator
Project the value of a monthly systematic investment plan.
Estimated final value
1,161,695.38
From 600,000.00 invested over 10 years
Total invested
600,000.00
Estimated returns
561,695.38
Return multiple
1.94×
Monthly instalments
120
FV = PMT × (((1 + i)ⁿ − 1) ÷ i) × (1 + i), where i is the monthly rate and n the number of instalments.
- This compounds the return rate you entered. It is not a forecast — market-linked returns vary year to year and can be negative.
- Fund expense ratios, exit loads and capital gains tax all reduce the real outcome.
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | 60,000.00 | 4,046.64 | 64,046.64 |
| 2 | 120,000.00 | 16,216.00 | 136,216.00 |
| 3 | 180,000.00 | 37,538.24 | 217,538.24 |
| 4 | 240,000.00 | 69,174.17 | 309,174.17 |
| 5 | 300,000.00 | 112,431.83 | 412,431.83 |
| 6 | 360,000.00 | 168,785.15 | 528,785.15 |
| 7 | 420,000.00 | 239,894.99 | 659,894.99 |
| 8 | 480,000.00 | 327,632.83 | 807,632.83 |
| 9 | 540,000.00 | 434,107.53 | 974,107.53 |
| 10 | 600,000.00 | 561,695.38 | 1,161,695.38 |
What does SIP Calculator do?
Estimate what a monthly SIP could grow to at an assumed annual return. It shows total invested, estimated returns and the final corpus, plus a year-by-year table and a step-up option for investors who increase their contribution annually.
How to Use SIP Calculator
- 1Enter the monthly amountWhat you plan to invest each month.
- 2Set the expected returnAn assumed annual percentage — this is not a prediction.
- 3Set the durationHow many years you will keep investing.
- 4Add a step-up if relevantA percentage increase applied to the SIP each year.
Key Features
- Future value of a monthly investment at an assumed annual return
- Total invested and estimated gain separated clearly
- Annual step-up option for contributions that rise each year
- Year-by-year growth table
- Reverse mode: find the monthly amount needed to reach a target
Frequently Asked Questions
How is SIP return calculated?
Each monthly instalment compounds for the remaining months, so FV = PMT × (((1 + i)ⁿ − 1) ÷ i) × (1 + i), where i is the monthly rate and n the number of instalments. Contributions are treated as made at the start of the month.
What return rate should I assume?
That is your judgement call, not ours. Past fund performance is not a promise, market-linked returns vary widely year to year, and this calculator does not predict anything — it simply compounds whatever rate you type.
What is a step-up SIP?
One where you raise the monthly contribution by a fixed percentage each year, usually in line with a salary increase. A 10% annual step-up over 20 years can more than double the final corpus compared with a flat SIP.
Does this account for tax or expense ratios?
No. Fund expense ratios, exit loads and capital gains tax all reduce the real outcome. Subtract the expense ratio from your assumed return for a more realistic figure.
Explore Related Workflows & Utilities
More tools in Calculators and related problem-solving tools
Direct Workflow Extensions
Project the future value of a lump sum investment.
See how savings grow with compounding and regular contributions.
Return on investment as a percentage, plus annualised return.
Monthly instalment, total interest and full amortisation schedule.
Convert a wage between hourly, weekly, monthly and yearly.
Calculate simple interest with the classic P × R × T formula.
Complementary Utilities across Categories
Topical Deep Dives & Guides
Popular Related Searches for SIP Calculator
Everything you enter here is processed on your own device. Nothing is uploaded to a server, so there is nothing for us to store or log.
Related Tools
Investment Calculator
Project the future value of a lump sum investment.
Compound Interest Calculator
See how savings grow with compounding and regular contributions.
ROI Calculator
Return on investment as a percentage, plus annualised return.
EMI Calculator
Monthly instalment, total interest and full amortisation schedule.