SIP Calculator

Enter your monthly SIP, an expected return and the period. Add a yearly step-up to see the effect of increasing your SIP as your income grows. The year-by-year table shows how much is your money and how much is growth.

Private: your numbers stay on your device.Calculated in your browser. The amounts you enter are never sent to us or stored.
Found it useful? Share itWhatsAppXLinkedInTelegram

Quick answer

SIP future value = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the monthly amount, i the monthly return (yearly % ÷ 12 ÷ 100) and n the number of months. ₹10,000 a month for 10 years at 12% a year grows to about ₹23.2 lakh on ₹12 lakh invested.

How to use the SIP Calculator

  1. Enter the monthly SIP amount.
  2. Enter an expected yearly return (be conservative).
  3. Enter the number of years and an optional yearly step-up.
  4. Read the estimated value, gains and the yearly table.

Worked example

₹10,000 a month, 12% a year, 10 years: invested ₹12,00,000, estimated value ≈ ₹23,23,391.

Formula

FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i)

Frequently asked questions

Are SIP returns guaranteed?

No. Equity and hybrid mutual fund returns vary from year to year and can be negative. The calculator assumes a steady return only to illustrate compounding.

What return should I assume?

Use a range. Long-term equity index returns in India have historically been around 10–13% a year, but past returns do not guarantee future ones. Try 8%, 10% and 12% to see the spread.

What does step-up mean?

Raising your SIP by a fixed percentage every year, for example 10% when you get a raise. Small step-ups make a large difference over 15–20 years.

Related tools

More Finance & Salary Calculators

Share this toolWhatsAppXLinkedInTelegram
Something not working, or a result looks wrong? Tell us

Last reviewed by Basant Upadhyay.

Results are estimates for general information and are not tax, legal or financial advice. Rates and rules change; confirm with a chartered accountant or your lender before acting. Disclaimer.

JhatPat Tools

Free calculators and PDF tools for Indian businesses. Formulas shown, rules dated, files never uploaded.

© 2026 JhatPat Tools · Made in Kolkata · Results are estimates, not professional advice.

Scroll to Top