SIP Calculator

See how much a monthly SIP could grow to. Add a yearly step-up to model increasing your SIP as your salary grows.

Estimated value
₹0
₹0Total invested
₹0Estimated returns
InvestedReturns
YearMonthly SIPInvested so farValue

Mutual fund investments are subject to market risks. This is an estimate, not a promise of returns.

SIP formula

Each instalment is invested at the start of the month and compounds monthly:

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

P is the monthly SIP, r is the monthly return (yearly % ÷ 12 ÷ 100) and n is the number of months. With a step-up, the calculator raises P every 12 months and adds up each month's growth.

Why starting early matters

At 12%, ₹5,000 a month for 30 years becomes about ₹1.76 crore, but for 20 years only about ₹50 lakh. The extra 10 years add ₹6 lakh of investment but more than ₹1.2 crore of value. That is compounding.

Picking a realistic return

Use a conservative number for planning. For guaranteed, tax-free growth compare with the PPF calculator or a bank FD calculator.

Frequently asked questions

What will a ₹5,000 monthly SIP become in 20 years?
At an assumed 12% yearly return, a ₹5,000 SIP for 20 years grows to about ₹50 lakh on an investment of ₹12 lakh. Real returns vary and are not guaranteed.
What is a step-up SIP?
A step-up SIP increases your monthly amount by a fixed percentage every year, for example 10%. It matches rising income and makes a big difference to the final amount.
Are SIP returns guaranteed?
No. Mutual fund returns depend on the market. The calculator uses the rate you enter as an assumption. Past returns do not guarantee future returns.
How are SIP returns taxed?
For equity funds, gains on units held over 12 months are long-term and taxed at 12.5% above ₹1.25 lakh of gains a year. Gains within 12 months are taxed at 20%. Debt fund gains are taxed at your slab rate.

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Last updated: 2026-10-31