Calculator
SIP calculator
See how a monthly mutual fund SIP could grow over time — with an optional annual step-up. Move the sliders to explore; the numbers update instantly.
₹10,000
12% p.a.
15 years
Off
Estimated value
₹50,45,760
in 15 years · ₹50.46 L
- Total invested
- ₹18,00,000
- Estimated returns
- ₹32,45,760
Estimates only — actual returns vary with the market.
Good to know
How to read the result
The estimate compounds each monthly instalment at your expected annual return for the full time period. The green portion of the bar is your estimated returns; the rest is what you actually invested. The longer you stay invested, the larger the returns portion tends to become — that is compounding at work.
A calculator can show the maths, but the right monthly amount, fund choices and goal mapping are personal. That is the part a plan solves — and where a Certified Financial Planner professional helps.
FAQ
Common questions
What is a SIP?
A Systematic Investment Plan (SIP) is a way to invest a fixed amount in a mutual fund at regular intervals — usually monthly. It builds the habit of investing and averages your purchase cost over time, so you don't have to time the market.
How does this SIP calculator work?
It compounds each monthly instalment at your expected annual return (converted to a monthly rate) for the full period, and — if you set an annual step-up — increases the instalment once a year. It then shows your total invested, estimated returns and final value.
What return should I assume?
Returns are never guaranteed. Historically, diversified equity mutual funds in India have delivered roughly 10–12% per year over long periods, but actual returns vary and can be negative in any given year. Use a conservative figure and treat the result as an estimate, not a promise.
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly investment by a fixed percentage each year — usually in line with your income growth. Even a small annual step-up can meaningfully increase your final corpus.
For educational purposes only and not investment advice. The figures are estimates based on the inputs you provide and assume a constant rate of return, which does not happen in practice. Mutual fund investments are subject to market risks; please read all scheme-related documents carefully before investing. Past performance is not indicative of future returns.