SIP Calculator

Project the value of a monthly systematic investment plan.

SIP Calculator

Fast online calculation engine

Amount / Value 1

Rate / Percentage / Value 2

Tenure / Value 3

Output ResultInvested: 6000000.00 | Total Returns: 7808238.11

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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

1
Enter the monthly amountWhat you plan to invest each month.
2
Set the expected returnAn assumed annual percentage — this is not a prediction.
3
Set the durationHow many years you will keep investing.
4
Add 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.

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