SIP Calculator
Estimate the future value of a monthly SIP investment, with an optional yearly step-up.
Runs in your browser. Your input is processed on your device and is not uploaded to our server.
% p.a.
years
% per year
Estimated value
–
InvestedEstimated returns
- Amount invested –
- Estimated returns –
Year-by-year growth
| Year | Monthly SIP | Invested to date | Value |
|---|
Returns are assumptions, not predictions. Market-linked investments carry risk.
How to use the SIP Calculator
- Enter the monthly investment, the expected annual return and the number of years.
- Optionally add a yearly step-up percentage.
- Compare the amount invested with the estimated returns and final value.
How SIP returns are estimated
Each monthly instalment grows at the monthly rate r = annual return ÷ 12 ÷ 100 until the end of the period, assuming investments at the start of each month: FV = P × ((1 + r)n − 1) ÷ r × (1 + r). With a step-up, the instalment increases once a year and each year is compounded separately.
Market-linked returns are not fixed. Mutual fund investments are subject to market risks; past returns do not guarantee future results. Use realistic assumptions.
Frequently asked questions
What return should I assume?
Use a conservative figure based on the asset class and your time horizon. The calculator does not predict returns.
Are taxes and expense ratios included?
No. Fund expenses are already reflected in a fund’s returns, but capital gains tax is not deducted here.