How to use the SIP Calculator
- Enter how much you will invest every month.
- Enter an expected yearly return. Equity funds have historically returned 10% to 12% over long periods in India, but returns are not guaranteed.
- Enter the number of years.
- Optionally add a yearly step-up to increase your SIP as your income grows.
Formula used
i = annual return ÷ 12 ÷ 100, n = years × 12. Payments are assumed at the start of each month. With step-up, the monthly amount rises by the step-up % every 12 months.
Worked examples
| Monthly SIP | Return | Years | Invested | Total value |
|---|---|---|---|---|
| ₹5,000 | 12% | 10 | ₹6,00,000 | ₹11,61,695 |
| ₹10,000 | 12% | 15 | ₹18,00,000 | ₹50,45,760 |
| ₹10,000 | 10% | 10 | ₹12,00,000 | ₹20,65,520 |
| ₹25,000 | 12% | 20 | ₹60,00,000 | ₹2,49,78,698 |
Frequently asked questions
What is a SIP?
A systematic investment plan invests a fixed amount in a mutual fund every month, which averages your purchase cost over time.
Are SIP returns guaranteed?
No. Mutual fund returns depend on markets. Use a conservative rate for planning.
What is a step-up SIP?
A SIP that increases by a fixed percentage every year, for example 10%, which can greatly increase the final value.
Is SIP better than a lump sum?
A lump sum can earn more if markets rise straight away, while a SIP reduces timing risk and suits monthly salaries. Compare a lump sum with the Compound Interest Calculator.
How are SIP returns taxed?
In India, equity fund gains held over a year are taxed as long-term capital gains above the yearly exemption. Check current rules before you redeem.
Our team builds and tests every tool by hand, checks each formula against official sources (IRS, HMRC, the Income Tax Department of India, CBSE, NHS, WHO) and reviews pages whenever rules change. Last reviewed on . Spotted a mistake? Tell us.