SIP Calculator – Estimate Your Mutual Fund Returns
Estimated value
2,323,390.76
52% your money · 48% estimated returns
1,200,000.00
Amount invested
1,123,390.76
Estimated returns
Year-by-year growth
| Year | Invested | Value |
|---|---|---|
| 1 | 120,000.00 | 128,093.28 |
| 2 | 240,000.00 | 272,432.00 |
| 3 | 360,000.00 | 435,076.47 |
| 4 | 480,000.00 | 618,348.34 |
| 5 | 600,000.00 | 824,863.67 |
| 6 | 720,000.00 | 1,057,570.31 |
| 7 | 840,000.00 | 1,319,789.97 |
| 8 | 960,000.00 | 1,615,265.65 |
| 9 | 1,080,000.00 | 1,948,215.05 |
| 10 | 1,200,000.00 | 2,323,390.76 |
Mutual fund returns aren't guaranteed — this projects a steady assumed return for planning. Actual returns vary year to year, and taxes and fund expenses reduce what you keep.
About SIP Calculator
Enter how much you invest each month, the return you expect and for how many years, and see the estimated value, how much of it is your own money and how much is growth. Switch to Lump sum for a one-time investment.
A Systematic Investment Plan puts a fixed amount into a mutual fund every month. Because each instalment has a different amount of time to grow, the final value isn't a simple multiplication. This calculator uses the method fund houses and the widely used SIP calculators follow: monthly compounding, with each instalment invested at the start of its month. ₹10,000 a month for 10 years at 12% comes to about ₹23.2 lakh, of which ₹12 lakh is what you paid in.
A step-up SIP raises the monthly amount once a year, usually in line with a salary increase. Even a 10% yearly step-up changes the outcome a lot over 15 or 20 years, because the larger instalments also have years to compound. Set the step-up to 0 for a flat SIP.
The expected return is an assumption, not a promise. Equity funds have delivered very different returns in different decades, and even a fund that averages 12% will have years well below and above that. Use a few different rates to see a sensible range, and remember that taxes and fund expenses reduce what you keep.
A worked example you can check by hand
₹10,000 a month for 20 years at an assumed 12% a year puts in ₹24,00,000 and comes to about ₹99.9 lakh — roughly ₹75.9 lakh of it growth. The same SIP at 8% comes to about ₹59.3 lakh, at 10% about ₹76.6 lakh and at 15% about ₹1.52 crore. The investment is identical in all four; only the assumed return moves, which is why the return you assume matters more than the exact monthly amount.
Raising the instalment 10% a year changes the picture more than most people expect. The same ₹10,000 SIP at 12% for 15 years is about ₹50.5 lakh flat, but about ₹86.8 lakh with a 10% yearly step-up — for ₹38.1 lakh invested instead of ₹18 lakh. Over 20 years the step-up version reaches about ₹1.99 crore against ₹99.9 lakh flat.
SIP or lump sum: how to compare them fairly
Switch between the two modes with the same return and period to see the difference. ₹12 lakh as a single lump sum at 12% for 10 years grows to about ₹37.3 lakh. The same ₹12 lakh paid as ₹10,000 a month over those 10 years grows to about ₹23.2 lakh, because most instalments spend far less than ten years invested.
That does not make a lump sum better in practice. A lump sum needs the full amount on day one and exposes all of it to the market's starting point, while a SIP spreads the entry price across months and fits a salary. The comparison is useful for goal planning — it tells you how much the delay of paying monthly costs — not as advice to hold off investing until you have a lump sum.
How the numbers are calculated
The monthly return is the yearly rate divided by 12, compounded each month, with every instalment invested at the start of its month. The lump sum compounds once a year. A step-up raises the instalment by the percentage you enter at the end of each 12-month block, so the first year always uses your starting amount. The year-by-year table shows the invested amount and projected value at the end of every year, so you can read off a milestone — what the plan is worth at year 7, say — not just the final figure.
Because the rate is divided by 12 rather than converted to an effective monthly rate, results can differ by a small amount from a fund house calculator that uses another convention. Treat the output as a planning estimate, not a figure to the rupee.
What it leaves out
Fund expense ratios are assumed to be inside the return you enter, and capital gains tax, exit loads and inflation are not applied. If you want a rough sense of purchasing power, run the plan, then reduce the return by your expected inflation — a 12% return with 6% inflation behaves, in today's money, like roughly 6%. The tool cannot predict returns; use a low, a middle and a high rate to see a range rather than relying on one number.
What you can use it for
- Estimate what a monthly SIP could be worth when you retire or when a child starts college.
- Compare a flat SIP with a step-up SIP that grows with your income.
- Work out whether a lump sum or a monthly SIP gets you closer to a goal.
- See how much of the final value is growth rather than your own contributions.
- Test how sensitive a plan is to the return you assume.
How it works, step by step
- 1
Choose SIP or Lump sum
SIP for a monthly investment, Lump sum for a one-time amount.
- 2
Enter the amount
The monthly instalment, or the one-time investment.
- 3
Set the return and period
The yearly return you expect and the number of years.
- 4
Add a step-up (optional)
The percentage the SIP increases by each year. The totals and the yearly table update as you type.
Frequently asked questions
How is SIP return calculated?
Each monthly instalment compounds at the monthly rate (the yearly rate ÷ 12) from the month it's invested. The standard formula is P × [(1 + i)^n − 1] ÷ i × (1 + i), where P is the instalment, i the monthly rate and n the number of months.
What is a step-up SIP?
A SIP whose amount goes up by a fixed percentage every year — for example ₹10,000 a month this year and ₹11,000 next year with a 10% step-up. Many fund houses let you set this up when you start the SIP.
What return should I assume?
There's no right answer. Many people use 10–12% for long-term equity funds and 6–8% for debt funds, but past returns don't guarantee future ones. Try a lower and a higher rate to see a range.
Does this include tax or fund expenses?
No. It shows growth before capital gains tax and assumes the return you enter is already after the fund's expense ratio.
Is my data stored?
No. Everything is calculated in your browser; nothing is uploaded or saved.