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SIP Calculator: Monthly SIP Returns

Enter a monthly SIP amount, an expected yearly return and the number of years to see the estimated value, how much of it you paid in and how much is returns. Add a yearly step-up to see what raising the SIP each year does, and read the value at the end of every year in the table.

How to use SIP Calculator

1. Enter the amount you'll invest each month.
2. Set the expected return a year and the time period, by typing or with the sliders.
3. Optionally add a yearly step-up, such as 10% a year as your income grows.
4. Read the estimated value, the split between invested and returns, and the year-by-year table.

Frequently asked questions

How is SIP return calculated?

Each instalment is treated as paid at the start of the month and grows at the yearly rate divided by 12, compounded monthly. With no step-up this is the standard formula: value = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is the monthly amount, i the monthly rate and n the number of months. 10,000 a month at 12% for 10 years gives about ₹23.23 lakh, of which ₹12 lakh is what you paid in.

What return should I expect from a SIP?

No one can say: mutual fund returns depend on the market and aren't guaranteed. Equity funds can lose money over short periods. Try a cautious rate and a hopeful one to see the range, and look at a fund's own past returns knowing they don't promise future ones.

What is a step-up SIP?

A SIP whose instalment goes up by a fixed percentage every year. With a 10% step-up, 10,000 a month becomes 11,000 a month in year two and 12,100 in year three. Small yearly increases make a large difference over long periods, which the table shows year by year.

Does the result include tax and fund charges?

No. It's a gross estimate. Fund expense ratios are already reflected in a fund's reported returns, but exit loads and capital gains tax on redemption aren't taken off here.

Is what I enter saved or sent anywhere?

Your last inputs are kept in this browser's local storage so they're there next time. Nothing is sent to a server; the sums run on your device.

SIP growth at 12% a year, 10,000 a month

The same monthly amount over longer periods, with no step-up. Most of the final value comes from returns in the later years, which is why starting early matters.

Other money calculators

Compare with a guaranteed option using the PPF calculator or the FD calculator, plan a loan with the EMI calculator, or see a one-time investment grow with the compound interest calculator.