SIP Calculator
Estimate what your monthly mutual fund SIP could grow to. Add an optional annual step-up to model rising contributions, and see the year-by-year breakdown.
₹10,000/month SIP at various rates & durations
Projected total value of a flat ₹10,000 monthly SIP (no step-up). Figures are estimates at a constant assumed rate.
Year-by-year growth table
| Year | Invested so far | Value at year end | Returns so far |
|---|
How the SIP calculation works
Each monthly instalment is invested at the start of the month and then grows at the assumed monthly rate for the remaining months. For a flat SIP the closed-form future value is:
FV = P × [ ((1 + i)n − 1) ÷ i ] × (1 + i)
where P = monthly amount, i = monthly rate (annual rate ÷ 12 ÷ 100), and n = number of months (years × 12). When you set an annual step-up, the monthly amount rises by that percentage each year, so this tool simulates every month individually to stay exact. Estimated returns = Total value − Invested amount, and the wealth ratio is total value ÷ invested amount.
Frequently asked questions
What is a SIP?
A Systematic Investment Plan (SIP) invests a fixed amount in a mutual fund at regular intervals — usually monthly. Each instalment buys units at that day's price, so over time you average your cost (rupee-cost averaging) and your accumulated units compound.
What is the SIP calculation formula?
For a flat monthly SIP, FV = P × [((1 + i)n − 1) ÷ i] × (1 + i), where P is the monthly amount, i is the monthly rate (annual ÷ 12 ÷ 100) and n is the number of months. The trailing (1 + i) reflects investing at the start of each month. With a step-up, this tool simulates month by month.
How much will ₹10,000/month for 10 years grow to?
At an assumed 12% annual return, a ₹10,000 monthly SIP for 10 years invests ₹12,00,000 and grows to roughly ₹23.2 lakh — about ₹11.2 lakh of estimated returns. Returns are not guaranteed and vary with the market. Try your own numbers above.
What is a step-up (top-up) SIP?
A step-up SIP increases your monthly contribution by a fixed percentage every year — usually as your income grows. Even a 10% annual step-up can meaningfully raise your final corpus versus a flat SIP, because the larger later contributions still have time to compound.
What return rate should I assume?
Indian equity mutual funds have historically returned roughly 10–14% annualised over long periods, but this is not guaranteed and short-term returns can be negative. Debt funds are typically 6–8%. 12% is a common equity planning assumption — lower it to be conservative.
Is a SIP better than a lumpsum?
Neither is universally better. A lumpsum benefits if markets rise from the start; a SIP spreads risk over time (rupee-cost averaging) and matches monthly cash flow. Many investors use both. SIP returns depend on the actual market path, not a fixed rate.