SIP Calculator
Estimate how much your monthly mutual fund SIP could grow over time. Set your amount, expected return and period — add an optional annual step-up — to see your projected corpus, total invested and estimated returns. No login.
Estimates assume a constant annual return, compounded monthly. Mutual fund returns are not guaranteed. For education only — not investment advice.
Year-by-year growth
| Year | Invested | Est. returns | Total value |
|---|
Key takeaways
- A SIP invests a fixed amount in a mutual fund every month, averaging your cost over time.
- Returns compound monthly — the longer you stay invested, the more compounding does the work.
- A 10% annual step-up can add several lakhs to your final corpus over 15–20 years.
- Mutual fund returns aren't guaranteed; use 10–12% for a realistic long-term equity estimate.
- Starting early and staying consistent matters more than the size of your first instalment.
What is a SIP?
A Systematic Investment Plan (SIP) is a way of investing a fixed amount in a mutual fund at regular intervals — usually every month. Instead of trying to time the market, you invest the same amount on a set date, which averages your purchase cost over time (rupee-cost averaging) and turns investing into a habit.
How this SIP calculator works
The calculator uses the future value of an annuity-due, compounding monthly. Each month it adds your instalment to the running balance and grows it by your monthly rate — your expected annual return divided by 12. With a step-up, the monthly amount rises by your chosen percentage at the start of every year.
- Total invested — the sum of every instalment you put in.
- Total value (corpus) — those instalments compounded to the end of the period.
- Estimated returns — total value minus total invested.
For example, a ₹10,000 monthly SIP for 15 years at 12% grows to about ₹50.4 lakh — you invest ₹18 lakh and earn roughly ₹32.4 lakh in estimated returns.
SIP vs lumpsum: which is better?
A SIP spreads your investment across months, so you buy more units when prices fall and fewer when they rise — helpful in volatile markets and when you invest from a monthly salary. A lumpsum puts the whole amount in at once, which can do better in a steadily rising market but exposes everything to a single entry point. Most salaried investors prefer SIPs because they match how income actually arrives.
What is a step-up SIP, and why it matters
A step-up (or top-up) SIP raises your monthly instalment by a fixed percentage each year. As your income grows, increasing your SIP — say by 10% a year — has an outsized effect on the final corpus, because the larger instalments still compound for many years. Even a modest step-up can add several lakhs to your maturity value over 15–20 years; toggle the step-up field above to see it.
How much should you invest in a SIP?
Start with an amount you can sustain every month without strain — even ₹500 is enough to begin. A common guideline is to invest at least 15–20% of your income, but consistency and time matter far more than the starting figure. Use this calculator in reverse: set a target corpus, then adjust the monthly amount, return and period until the projection matches your goal.
Frequently asked questions
What is a SIP calculator?
A SIP calculator estimates how much a Systematic Investment Plan could grow to. You enter your monthly amount, an expected annual return and the number of years, and it projects the maturity value (corpus), your total invested amount and the estimated returns.
How are SIP returns calculated?
SIP returns use monthly compounding. Each instalment is invested at the start of the month and grows at one-twelfth of your expected annual rate. This calculator uses the future value of an annuity-due, so the corpus is the sum of every instalment compounded to the end of the period.
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly investment by a fixed percentage every year — for example, raising a ₹10,000 SIP by 10% each year. Stepping up your SIP as your income grows can substantially increase the final corpus.
Are the returns shown guaranteed?
No. The figure is an estimate based on the constant annual return you enter. Actual mutual fund returns vary with the market and are not guaranteed. Use a conservative rate — around 10–12% for equity funds — for a realistic projection.
What is a good monthly SIP amount?
There is no single right amount — start with whatever you can invest consistently, even ₹500. What matters more is staying invested for the long term and stepping the amount up as your income rises.
Is a SIP better than a fixed deposit (FD)?
Over long horizons, equity SIPs have historically delivered higher returns than fixed deposits because they participate in market growth — but they also carry market risk and offer no guaranteed return. An FD gives a fixed, guaranteed but lower return. Many investors use both: FDs for stability and SIPs for long-term growth.
Can I stop or change my SIP anytime?
Yes. SIPs are flexible — you can increase, decrease, pause or stop them, and redeem your units at any time (a small exit load may apply on some funds if you exit early). There is no penalty for stopping a SIP.
Does this calculator account for inflation or taxes?
No. It shows pre-tax, pre-inflation figures based on the constant return you enter. Real spending power will be lower after inflation, and gains from equity funds are taxed as capital gains. Treat the result as a gross projection.