Is the SIP return guaranteed?

No. The calculator uses an assumed, constant rate of return for planning. Actual market-linked SIP returns vary year to year and can be negative in the short term.

What return rate should I use?

It depends on the underlying assets. Many people model long-term equity SIPs at around 10–14% per year, and debt funds lower. Use a conservative figure if you're unsure.

What is a step-up SIP?

A step-up (or top-up) SIP increases your monthly contribution by a fixed percentage each year, usually to match salary growth. It can significantly raise your final corpus.

Does this account for taxes or fund expenses?

No. The projection is before capital-gains tax and expense ratios. Your real-world maturity value will be somewhat lower.

What does the inflation-adjusted value mean?

It restates your maturity value in today's money. ₹1 crore in 20 years buys far less than ₹1 crore today, so the real value is lower than the headline figure.

SIP or lumpsum — which is better?

Lumpsum can win if markets rise steadily after you invest, but SIP reduces timing risk by spreading purchases out. This tool lets you compare both with the mode switch.

Live

SIP Calculator

Project your SIP, step-up, or lumpsum mutual fund returns instantly.

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Overview

A SIP (Systematic Investment Plan) calculator estimates how much wealth your fixed monthly investments could grow into over time, based on an expected annual rate of return. Adjust the amount, return and duration to see your projected maturity value instantly.

Investing a fixed sum every month — rather than a lump sum once — lets you benefit from rupee-cost averaging and the compounding of returns over the long term. This calculator models that growth month by month, separating how much you actually invested from the returns you earned on top, and can optionally apply an annual step-up (increasing your contribution each year) and adjust the final figure for inflation so you can see its value in today's money.

How to use this calculator

Choose a mode: Monthly SIP, Step-up SIP (your contribution rises by a set % each year), or Lumpsum (a one-time investment).
Set your monthly investment amount using the slider or by typing an exact figure.
Set the expected annual rate of return (a long-term equity SIP is often modelled around 10–14%).
Set the time period in years.
Optionally turn on 'Adjust for inflation' to see the maturity value in today's purchasing power.
Read your projected value, total invested, and estimated returns — they update live as you change any input.

Understanding the inputs & results

Monthly investment

The fixed amount you contribute every month. In Lumpsum mode this becomes a single one-time investment.

Expected return (p.a.)

The assumed annual rate of return on your investments, before tax and fees. SIP returns are not guaranteed; this is an estimate for planning only.

Time period

How many years you keep investing and stay invested. Longer periods give compounding more time to work.

Annual step-up

An optional yearly percentage increase in your monthly contribution — useful for modelling rising income.

Invested amount

The total of all your contributions over the period — what you put in, with no growth added.

Estimated returns

The growth earned on top of your invested amount: projected value minus invested amount.

Projected / maturity value

The estimated total worth of your investment at the end of the period — invested amount plus estimated returns.

Inflation-adjusted value

The projected value re-expressed in today's money, so you can judge its real purchasing power.

The formula

SIP future value (monthly compounding)

FV = P × ( ( (1 + i)^n − 1 ) / i ) × (1 + i)

P is your monthly investment, i is the monthly rate of return (annual rate ÷ 12 ÷ 100), and n is the number of months (years × 12). The trailing (1 + i) assumes each instalment is invested at the start of the month. Invested amount = P × n, and estimated returns = FV − invested amount. Step-up mode increases P at the start of each year; Lumpsum mode uses FV = P × (1 + r)^years.

Worked example

₹10,000 invested monthly for 10 years at an expected 12% annual return.

Monthly rate i = 12 ÷ 12 ÷ 100 = 0.01; months n = 10 × 12 = 120.
FV = 10,000 × (((1.01)^120 − 1) / 0.01) × 1.01 ≈ ₹23.23 lakh.
Invested amount = 10,000 × 120 = ₹12.00 lakh.
Estimated returns = ₹23.23 lakh − ₹12.00 lakh ≈ ₹11.23 lakh.

✓ About ₹23.2 lakh, of which roughly half is returns earned through compounding.

Frequently asked questions

Tips & things to know

Starting earlier usually beats investing more later — compounding rewards time.
Even a modest annual step-up can outpace a larger flat SIP over long horizons.
Treat the output as a planning estimate, not a promise; revisit it as your goals change.

This SIP calculator provides estimates for educational and planning purposes only and is not investment advice. Returns are not guaranteed. Consult a qualified financial advisor before investing.

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