SIP calculator

Estimate what a monthly investment could grow to

Monthly investment

₹

Expected return a year

Years

Yearly step-up

Raises your monthly amount each year

Estimated value

≈ ₹11,61,695.38

You invest: ₹6,00,000.00
Estimated gains: ₹5,61,695.38

Invested: 52%
Gains: 48%

Returns aren’t guaranteed. This assumes the same return every year.

Growth by year

Year	Invested	Value
1	₹60,000.00	₹64,046.64
2	₹1,20,000.00	₹1,36,216.00
3	₹1,80,000.00	₹2,17,538.24
4	₹2,40,000.00	₹3,09,174.17
5	₹3,00,000.00	₹4,12,431.83
6	₹3,60,000.00	₹5,28,785.15
7	₹4,20,000.00	₹6,59,894.99
8	₹4,80,000.00	₹8,07,632.83
9	₹5,40,000.00	₹9,74,107.53
10	₹6,00,000.00	₹11,61,695.38

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How it works

SIP stands for systematic investment plan, a fixed amount invested every month. ₹5,000 a month at an assumed 12% a year for 10 years comes to about ₹11,61,695, of which ₹6,00,000 is what you put in. Real returns vary from year to year and aren’t guaranteed.

value = M × ((1 + i)ⁿ − 1) ÷ i × (1 + i)

We assume each payment is made at the start of the month, and that the yearly return is divided by 12 for each month.

A step-up raises your monthly amount once a year, which can make a large difference over a long time.

Worked example. ₹5,000 a month at 12% a year for 10 years: i is 12 ÷ 12 ÷ 100 = 0.01 and n is 120. You invest ₹6,00,000.00, and the estimated value is ₹11,61,695.38.

Examples

Monthly	Return	Time	Invested	Estimated value
₹1,000.00	12%	10 years	₹1,20,000.00	₹2,32,339.08
₹5,000.00	12%	10 years	₹6,00,000.00	₹11,61,695.38
₹5,000.00	12%	20 years	₹12,00,000.00	₹49,95,739.60
₹10,000.00	10%	15 years	₹18,00,000.00	₹41,79,242.66

What this tool doesn’t cover

Market returns change, so this is only an estimate. Returns aren’t guaranteed.
Tax, exit loads and fund charges aren’t included.
This isn’t financial advice.

Questions

Are SIP returns guaranteed?

No. This shows what a steady return would give. Real returns go up and down.

What return should I enter?

Use a cautious figure. Past returns don’t tell you what will happen next.

What is a step-up SIP?

You raise your monthly amount by a set percentage each year, often in line with your pay.

What is a SIP?

A systematic investment plan puts a fixed amount into a mutual fund at set times, usually monthly. You buy more units when prices are low.

Is it better to invest a lump sum or use a SIP?

It depends on the market, which nobody can predict. A lump sum has longer in the market, while a SIP spreads your buying over time.

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Built by QuickToolz. Reviewed by Atul Makwana. Last reviewed 2026-11-04.

Sources: Reserve Bank of India (opens in a new tab), SEBI investor education (opens in a new tab)