SIP Calculator

Estimate the future value of a monthly SIP in mutual funds, with an optional yearly step-up.

Monthly investment (₹)

Expected annual return (%)

Equity funds have historically delivered ~10–14%, but returns are never guaranteed.

Investment period (years)

Yearly step-up (%)

Increase your SIP by this % every year (e.g. 10 = invest 10% more each year).

Total invested₹0

Estimated returns₹0

Maturity value₹0

How the SIP calculation works

Every month your instalment is added and the whole balance grows at the monthly rate (annual rate ÷ 12). With a step-up, the instalment is increased once every 12 months:

balance = (balance + monthly SIP) × (1 + r/1200), every month

This is the standard future-value-of-annuity method used by most SIP calculators. Actual mutual fund returns vary month to month — treat this as a planning estimate, not a promise.

FAQ

What is a good return % to assume?

For long-term equity index funds, 10–12% is a common planning assumption. Debt funds typically deliver 6–8%. Never assume returns your fund category has not historically delivered.

What is a step-up SIP?

A step-up (or top-up) SIP increases your monthly instalment by a fixed percentage every year — usually matched to your salary growth. Even a 10% yearly step-up can roughly double your final corpus over 15+ years.

Are SIP returns guaranteed?

No. SIPs invest in market-linked mutual funds. The calculator compounds a flat assumed rate; real returns fluctuate with markets.

Is my data sent anywhere?

No. All math runs in your browser. Nothing is uploaded or stored.