SIP calculator
See how a monthly investment could grow over time.
₹10,000 (10 thousand)
Not guaranteed. Equity funds have averaged 10–12% over long periods
Raise the SIP by this much every year
Estimated value
₹23,23,391
after 10 years
- Amount invested
- ₹12,00,000
- Estimated gains
- ₹11,23,391
- Estimated value
- ₹23,23,391
- Invested: 51.6%
- Gains: 48.4%
Year-by-year growth
| Year | Invested | Value |
|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹23,23,391 |
Each instalment is invested at the start of the month and grows at the yearly rate ÷ 12 each month, as fund-house SIP calculators assume. Market returns vary; this is an estimate before tax, not a guarantee.
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How to calculate SIP returns
- 1
Choose SIP (monthly) or lumpsum (one-time).
- 2
Enter the amount, the expected yearly return and the number of years.
- 3
Optional: add a yearly step-up to raise your SIP each year.
- 4
See the invested amount, estimated gains and value year by year.
What the SIP calculator shows
A systematic investment plan (SIP) puts a fixed amount into a mutual fund every month. The calculator estimates what your instalments could grow to at a steady yearly return, how much you invest in total and how much comes from growth. Switch to lumpsum to see the value of a one-time investment instead.
A SIP return calculator and mutual fund calculator, with a step up SIP calculator and lumpsum calculator built in.
How it’s calculated
Each instalment is assumed to be invested at the start of the month and to grow at the monthly rate (yearly return ÷ 12) until the end of the period. That’s the same method AMFI-registered fund houses use in their calculators, so results match theirs. ₹10,000 a month at 12% for 10 years invests ₹12 lakh and grows to about ₹23.23 lakh.
Lumpsum value is amount × (1 + return)^years, compounded yearly.
Step-up SIP
A step-up raises your monthly SIP by a set percentage each year, often in line with salary hikes. Even a 10% yearly step-up can greatly increase the final value. Open the year-by-year table to see how the invested amount and the value grow.
Choosing a realistic return
Returns aren’t guaranteed and vary from year to year. For long-term planning many people use 10–12% for equity funds, 7–8% for hybrid funds and 6–7% for debt funds. To allow for inflation, use a return about 5–6 percentage points lower to see the value in today’s money.
Tax
Gains are taxed when you redeem. Equity fund gains held over a year are long-term capital gains, taxed at 12.5% above ₹1.25 lakh a year. Results here are before tax.
Frequently asked questions
How is SIP value calculated?
Each monthly instalment grows at the monthly rate (yearly return ÷ 12) until the end. This is the same method fund-house SIP calculators use, with the instalment invested at the start of each month.
Are the returns guaranteed?
No. Mutual fund returns vary with the market. The calculator shows what a steady return would give, which is useful for planning but not a promise.
What is a step-up SIP?
Raising your SIP by a fixed percentage each year, for example 10% when your salary rises. It can grow your final amount substantially.
Does it account for tax and inflation?
No. Results are before tax on gains and in today’s rupees are worth less. Use a lower expected return to allow for inflation.