What is the SIP Calculator?
A SIP (systematic investment plan) invests a fixed amount in a mutual fund every month. Because each instalment earns returns, and those returns earn returns too, regular investing over many years can grow much more than the amount you put in.
Enter your monthly amount, the yearly return you expect and how long you will invest. Use Step-up SIP if you plan to raise your SIP every year as your income grows, by a percentage or a fixed amount, and see how much more it builds than a regular SIP. Add an inflation rate to see what the final amount is worth in today’s money, or switch to Lumpsum for a one-time investment.
How to use it
- Choose SIP, Step-up SIP or Lumpsum.
- Enter the amount, the expected yearly return and the number of years.
- For a step-up SIP, choose how much to raise the SIP each year (in % or ₹). Optionally add inflation.
- Read the invested amount, estimated returns and final value, and see the year-by-year growth.
Example
₹10,000 a month for 15 years at 12%, stepped up 10% every year
Value ₹86,83,849, against ₹50,45,760 for a regular SIP of ₹10,000
Features
- SIP and lumpsum. Monthly investing or a one-time amount, in one calculator.
- Step-up SIP. Raise your SIP every year by a percentage or a fixed amount, and compare it with a regular SIP.
- Lumpsum top-ups. Add an extra lumpsum every 3, 6, 12 or 24 months, optionally rising each time, on top of your SIP.
- Inflation-adjusted. See what the final amount is worth in today’s money.
- Year-by-year growth. A chart and table of invested amount, gains and value for every year.
- Standard formula. Monthly compounding with investments at the start of each month, as fund-house calculators use.
- Lakh and crore. Amounts are shown in Indian digit grouping, with lakh and crore hints.
Frequently asked questions
How is the SIP return calculated?
Future value = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is the monthly amount, i is the yearly return ÷ 12 ÷ 100 and n is the number of months. This assumes each instalment is invested at the start of the month and the return stays the same every year.
What return should I expect?
Nobody can promise a return. Long-term averages for diversified Indian equity funds have often been around 10–12% a year, debt funds lower, but returns vary a lot from year to year. Try a few rates to see a range of outcomes.
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly amount every year, either by a percentage (say 10%) or by a fixed amount (say ₹1,000). Because your income usually rises, stepping up helps you invest more and reach goals much sooner. Most fund houses let you set this up when you start the SIP.
How much difference does a step-up make?
A lot over long periods. ₹10,000 a month for 15 years at 12% grows to about ₹50.5 lakh. Raising it by 10% every year grows to about ₹86.8 lakh, because later, larger instalments still have years to compound.
Can I add a lumpsum on top of my SIP?
Yes. Tick “Add an extra lumpsum regularly” and choose the amount and how often: every 3, 6, 12 or 24 months, for example from a bonus. Each top-up is invested on that date and grows for the rest of the period. You can also raise each top-up by a percentage, such as 10% more every time.
Why adjust for inflation?
Prices rise over time, so ₹1 crore in 20 years will buy much less than ₹1 crore today. The inflation-adjusted value shows the result in today’s money, which is more useful for planning goals.
Is SIP better than lumpsum?
A lumpsum invested early has more time to grow if markets rise steadily. A SIP spreads purchases over time, so you buy more units when prices are low (rupee cost averaging) and you can invest from monthly income.
Are the returns guaranteed?
No. Mutual fund investments are subject to market risk. This calculator is for planning only and is not investment advice.
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