A systematic investment plan invests a fixed amount in a mutual fund every month, and the SIP calculator shows what that steady habit becomes. Enter the monthly amount, the annual return you expect and the number of years; the calculator gives the estimated value at maturity, how much of it you contributed and how much is gains, with a year-by-year table that shows compounding gathering pace. Add a yearly step-up percentage to model increasing the instalment as your income grows, which is the single most effective way to raise the final figure.
SIP Calculator
A systematic investment plan puts a fixed amount into a mutual fund every month, and the SIP calculator shows what that discipline adds up to. The maths is compound interest applied to a stream of payments: ₹10,000 a month for ten years is ₹12 lakh invested, and at a 12% expected annual return it grows to roughly ₹23.2 lakh, so almost half of the final value is gains rather than contributions. The year-by-year table shows how slowly it starts and how fast it finishes.
Add a step-up percentage to model raising the instalment every year as your income grows; a 10% annual step-up on the same plan raises the amount invested to about ₹19 lakh and the final value to roughly ₹33.7 lakh. The expected return is an assumption, not a promise: equity funds have averaged around 12% over long periods but have had many losing years along the way, so run the calculation at 8% and 15% as well to see the range. For a one-time investment use the compound interest calculator.
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Frequently Asked Questions
How are SIP returns calculated?
Each monthly instalment compounds at the monthly rate (annual return ÷ 12) for the months it remains invested. For a fixed instalment P over n months at monthly rate i: value = P × [((1 + i)^n − 1) ÷ i] × (1 + i).
What return should I assume?
Diversified equity funds in India have delivered roughly 10–14% a year over long periods, but with wide swings and losing years. Run the calculator at 8%, 12% and 15% to see the range, and use lower figures for debt and hybrid funds.
What is a step-up SIP?
A plan where the monthly amount rises by a fixed percentage every year, usually matched to salary increments. A 10% annual step-up on a ₹10,000 SIP over ten years invests about ₹19 lakh instead of ₹12 lakh and lifts the estimated final value from about ₹23 lakh to roughly ₹34 lakh.
