How to use the SIP Calculator
Step 1: Enter the amount you plan to invest every month.
Step 2: Enter the yearly return you want to assume, such as 12. It is your assumption, not a promise.
Step 3: Enter the number of years. Optionally enter a yearly step-up to raise your monthly amount each year.
Step 4: Read the amount invested, the estimated returns and the estimated final value, then check the year-by-year table.
Features and benefits
Three clear totals
Amount invested, estimated returns and estimated value.
Yearly step-up
Model raising your monthly amount by a fixed percentage each year, as your income grows.
Year-by-year table
See how the total builds over time.
Compounding shown
A bar shows how much of the final value is your money and how much is growth.
Copy the results
Copy the summary for a note or a conversation with an adviser.
How the estimate is worked out
The calculator runs month by month. Each month your instalment is added at the start of the month, and the whole balance then earns one month of return at the yearly rate divided by 12. This is the usual SIP convention and matches the formula FV = P x ((1+i)^n - 1) / i x (1+i). For 5,000 rupees a month at 12 percent for 10 years, you invest 6,00,000 rupees and the illustration reaches about 11,61,695 rupees.
With a step-up, the monthly amount is increased by your chosen percentage after every 12 months, so later years carry larger instalments.
Why the result is only an illustration
Real investments do not grow at a steady rate. A fund might gain 25 percent one year and lose 10 percent the next, and the final value depends on the order of those returns. Costs, taxes and inflation also reduce what you keep and what the money can buy. Use the calculator to compare ideas and understand compounding, and do not treat the figure as a prediction. Speak to a qualified adviser for personal advice.
Example use cases
Planning a goal
Estimate whether a monthly amount could reach a target in your time frame.
Comparing amounts
See the effect of investing a little more each month.
Understanding compounding
Watch how growth speeds up in later years.
Testing step-ups
Compare a flat SIP with one that rises every year.
Frequently asked questions
What is a SIP?
A systematic investment plan: investing a fixed amount at regular intervals, usually monthly, often into a mutual fund.
What return should I enter?
There is no right number. Choose a conservative assumption and try a few values. Returns are never guaranteed.
Does it include taxes, fees or inflation?
No. The result is before costs, taxes and inflation, so the real outcome will be lower.
How is the step-up applied?
Your monthly amount is raised by the percentage after every 12 months. A 10 percent step-up turns 5,000 into 5,500 in year two.
Is this financial advice?
No. It is an educational calculator. Consider your goals and risk, and speak to a qualified adviser.
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Last updated 10 November 2026.