SIP Calculator

Estimate the future value of your monthly SIP.

Monthly investmentExpected return (% per year)Time period (years)Yearly step-up (%) optionalCurrency

Invested

Est. returns

Total value

Year	Invested	Value

About this sip calculator

A Systematic Investment Plan (SIP) puts a fixed amount into an investment every month. This calculator assumes each installment is invested at the start of the month and grows at your expected annual return divided by 12, compounded monthly. The step-up option raises the installment by a set percentage each year, as many people do when their income grows. Real mutual fund returns vary and are not guaranteed, so treat the result as an estimate.

How to use it

Enter your monthly amount, expected return and number of years.
Add a yearly step-up if you plan to increase the SIP.
Read the invested amount, estimated returns and the year-by-year table.

Tips and good to know

Starting early matters because returns compound. Try changing the years from 10 to 20 to see the effect. A step-up of 5 to 10 percent a year can raise the final value a lot. The returns shown are estimates, so test a lower rate as well to see a cautious case.

Frequently asked questions

Is the result guaranteed?

No. Market-linked returns change. The figure is a projection based on the rate you enter.

Does it include tax or expense ratio?

No. Use a net return after costs for a closer estimate.