SIP Calculator

How it works

How to use the sip calculator

A systematic investment plan (SIP) invests a fixed amount every month, usually in a mutual fund. Each instalment compounds for the time it stays invested, so starting early matters more than the amount. This calculator assumes each instalment is invested at the start of the month, as most Indian SIP calculators do, and grows at a constant expected return.

With ₹5,000 a month for 10 years at an assumed 12% a year, you invest ₹6 lakh and the estimated value is about ₹11.6 lakh. A step-up raises the SIP every year, for example by 10% as your income grows, and can make a large difference over long periods. The table shows the invested amount and estimated value at the end of each year.

Real returns go up and down; the expected return is only an assumption. Equity funds can fall in some years, and tax on gains and fund expense ratios reduce what you keep. Use this for planning, and speak to a SEBI-registered adviser for advice.

1. Enter your monthly SIP amount.
2. Enter an expected yearly return and the number of years.
3. Optionally add a yearly step-up.
4. Read invested amount, estimated gains and value.