Estimate how much your monthly mutual fund SIP can grow, with an optional yearly step-up and a year-by-year table.
How does a SIP calculator work?
A SIP (Systematic Investment Plan) lets you invest a fixed amount in a mutual fund every month. Your money earns returns, and those returns earn more returns over time. This is called compounding, and it is why starting early matters so much.
This calculator assumes you invest at the start of each month and that your fund earns a steady yearly return. Real market returns go up and down, so treat the result as an estimate.
SIP formula
FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i)
P = monthly investment · i = monthly rate (annual rate ÷ 12 ÷ 100) · n = number of months
Example
If you invest ₹5,000 every month for 10 years at 12% per year, you invest ₹6,00,000 in total. It can grow to about ₹11.62 lakh, which means estimated returns of about ₹5.62 lakh.
What is a step-up SIP?
A step-up SIP raises your monthly investment by a fixed percentage every year. If your income grows, your SIP grows with it. Set the yearly step-up above to see how a 10% increase each year can build a far larger corpus than a flat SIP.
Tips to grow your SIP faster
- Start early. Time does more work than the amount.
- Increase your SIP amount whenever your income grows.
- Stay invested through market falls. Stopping early cuts compounding.
- Pick a return rate you are comfortable with. A lower rate gives a safer estimate.
Frequently asked questions
What is a SIP?
A SIP (Systematic Investment Plan) lets you invest a fixed amount in a mutual fund every month. It builds the habit of regular investing and averages out your purchase cost over time.
How is SIP return calculated?
Future value = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the monthly investment, i is the monthly rate of return and n is the number of months.
What is a step-up SIP?
A step-up SIP raises your monthly investment by a fixed percentage every year, for example 10%. It helps your investment keep pace with your income and builds a much bigger corpus over time.
Are SIP returns guaranteed?
No. Mutual fund returns depend on the market and are not guaranteed. This calculator shows an estimate based on the return rate you enter.
What return rate should I use?
Equity funds have historically delivered around 10% to 12% per year over long periods, but past performance does not guarantee future results. Using a conservative rate gives a safer estimate.
Is SIP better than a lumpsum investment?
SIP suits people who invest from monthly income and want to reduce the risk of bad market timing. Lumpsum can work if you have a large amount and invest when valuations look reasonable.
This calculator gives estimates for information only and is not financial advice. Mutual fund investments are subject to market risk.
