What is the SIP Calculator?
A SIP (systematic investment plan) calculator estimates what your regular mutual fund investments could be worth after some years, using an expected yearly return. It also works for a one-time lump-sum investment.
How to use it
- 1
Enter the amount
Your monthly SIP, or the lump sum.
- 2
Set the return
An expected yearly return, such as 10–12% for equity funds over the long term.
- 3
Choose the period
How many years you plan to stay invested.
- 4
Add a step-up
Optionally raise the SIP each year.
Features
SIP or lump sum
Switch between monthly investing and a single investment.
Step-up SIP
Increase your SIP by a percentage every year, like most salaried investors do.
Invested vs returns
See how much you put in and how much is growth.
Year-by-year table
Watch the value build up each year.
Popular uses
Goal planning
See how much to invest each month for a house, education or retirement.
Power of compounding
Compare 10, 20 and 30 years to see how time multiplies money.
Step-up effect
See how raising your SIP every year changes the result.
Frequently asked questions
Are SIP returns guaranteed?
No. Mutual fund returns depend on the market. The calculator shows what a steady return would produce; real returns vary year to year.
How is SIP value calculated?
Each monthly instalment grows at the monthly rate until the end: FV = P × ((1 + i)ⁿ − 1) ÷ i × (1 + i).
What return should I assume?
Many planners use 10–12% for long-term equity funds and 6–8% for debt funds. Use a lower figure to be safe.
Are taxes included?
No. Gains on mutual funds are taxed when you sell, depending on the fund type and how long you held it.