SIP Calculator
Project how a monthly SIP can grow using a constant expected annual return, with an optional yearly step-up in the instalment. The projection is not guaranteed.
How this is calculated
Each contribution is assumed to be invested at the end of the month and then earns the expected monthly return. The projection is not a guaranteed return.
With a step-up, the first 12 instalments are the amount you enter, the next 12 are that amount plus the step-up percentage, and so on. Each year's instalment is the previous year's plus the step-up.
Returns are not guaranteed. Markets can do worse or better than the expected rate, and the value can be lower than the amount invested. This is not financial advice.
Worked examples
₹5,000 a month for 10 years at 12% expected return
- Each contribution is assumed to be invested at the end of the month and then earns the expected monthly return. The projection is not a guaranteed return.
Invested ₹6,00,000 · estimated value ₹11,61,695 · estimated returns ₹5,61,695. Not guaranteed.
Same SIP with the instalment raised 10% every year
- Year 1: ₹5,000 a month; year 2: ₹5,500; year 3: ₹6,050, and so on
- By year 10 the instalment is ₹11,790 a month
Invested ₹9,56,245 (₹3,56,245 more) · estimated value ₹16,87,163 (₹5,25,468 more than the regular SIP). Not guaranteed.
Useful for
- Monthly mutual-fund SIP projections
- Raising the SIP by a fixed percentage every year (step-up SIP)
Learn more
Questions
Is the return guaranteed?
No. Mutual fund returns vary. This tool compounds a constant expected rate so you can compare tenures and amounts — not predict markets.
What is a step-up SIP?
A SIP whose monthly instalment rises by a fixed percentage every year, for example from ₹5,000 to ₹5,500 after the first year at a 10% step-up. Set the yearly step-up above 0% and the result is compared with a regular SIP of the same starting amount.
Does a step-up SIP guarantee more money?
No. It invests more in total, so the projected value is higher for the same expected return, but the return itself is only an assumption and can be lower than the amount invested.
When is each SIP instalment assumed to be invested?
Each contribution is assumed to be invested at the end of the month and then earns the expected monthly return. The projection is not a guaranteed return.