SIP Calculator
Work out what a monthly systematic investment plan could grow into. Set your monthly amount, expected return and time frame to see your maturity value, total invested and estimated gains — plus an annual step-up, a year-by-year growth table and what the final figure is actually worth after inflation.
- Year-by-year breakdown
- Annual step-up support
- Real value after inflation
- Nothing leaves your browser
Calculate your SIP maturity value
Step-up raises your monthly amount by that percentage every year, which is how most people invest as their income grows. Leave it at zero for a flat SIP.
Quick scenarios
Estimated maturity value
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Enter your monthly amount, expected return and time frame to see the projection.
- —Total invested
- —Estimated returns
- —Growth multiple
- —Value in today's money
Plan summary
- Monthly amount at start—
- Monthly amount in final year—
- Number of instalments—
- Returns as a share of maturity—
- Effective annual growth—
- Year you cross 2× invested—
- Inflation-adjusted gain—
Year-by-year growth
| Year | Invested | Returns | Value |
|---|---|---|---|
| — | — | — | — |
Figures assume contributions at the start of each month and returns compounded monthly. Actual market returns vary year to year and are never guaranteed.
Why this SIP calculator is better
Most SIP calculators give you three numbers and a donut chart. The decisions people actually make need a bit more than that.
Step-up SIP built in
Increase your contribution every year in line with your salary and see how much difference a 10 percent annual step-up makes over a decade. Most calculators ignore this entirely.
Inflation-adjusted answer
A large maturity figure twenty years out is misleading on its own. You also get what it is worth in today's money, which is the number that decides whether the goal is met.
Full year-by-year table
See invested amount, accumulated returns and total value at the end of every year, so you can tell when compounding starts doing the heavy lifting.
Lump sum plus SIP together
Add an initial one-time investment alongside the monthly plan, the way most portfolios actually start, rather than modelling the two separately.
Any currency
Rupees, dollars, pounds or euros, or no symbol at all. The maths is identical, so the tool works wherever you invest.
No sign-up, no sales call
Fund company calculators exist to collect your phone number. This one asks for nothing, stores nothing and runs entirely in your browser.
How to use the SIP calculator
Four inputs decide the projection. Everything updates as you type.
Enter your monthly amount
Use the figure you can sustain every month without interruption. A smaller SIP you never pause beats a large one you stop after a year.
Set a realistic expected return
Long-run equity fund returns are often modelled around 10 to 12 percent a year and debt funds considerably lower. The rate is an assumption, not a promise, so try a pessimistic figure too.
Choose your time frame and step-up
Longer periods change the outcome far more than higher returns do. Add an annual step-up if you expect your income to rise.
Read both the headline and the real value
Check the maturity figure, then check what it is worth after inflation. If the real value falls short of the goal, adjust the amount or the horizon.
What you can plan with it
A SIP projection turns a vague intention into a number you can act on.
- Retirement corpus. Work backwards from the amount you want and find the monthly contribution that gets you there.
- Education costs. Model an eighteen-year horizon and check the inflation-adjusted figure, since education inflation is usually higher than headline inflation.
- Home down payment. Test a five to seven year plan at a conservative return, because short horizons leave no time to recover from a bad year.
- Comparing a raise. See what routing part of every future increment into a step-up SIP would be worth by the end.
- Starting earlier versus investing more. Run the same amount over ten and twenty years to see why time in the market dominates.
- Sanity-checking a sales pitch. Enter the numbers you were quoted and see whether the projected corpus is plausible at a realistic rate.
SIP calculator FAQs
What the projection assumes, and where the limits are.
How is SIP maturity value calculated?
Each monthly instalment is compounded for the number of months remaining until the end of the plan, and the results are added together. The standard formula is the future value of an annuity due, where the monthly rate is the annual expected return divided by twelve. This calculator applies that month by month, which is why a step-up or a lump sum can be included without breaking the maths.
Is the return rate guaranteed?
No. The rate you enter is an assumption used to project a scenario, not a promise of performance. Real market returns are uneven — a fund averaging 12 percent over a decade may lose 20 percent in one year and gain 30 percent in another. Run the calculation two or three times at different rates to see the range of outcomes rather than fixating on a single figure.
What is a step-up SIP and is it worth it?
A step-up SIP raises your monthly contribution by a fixed percentage each year, usually in line with your salary increases. Because the extra amounts still get years of compounding, even a modest 10 percent annual step-up can lift the final corpus substantially compared with a flat SIP. Set the step-up field to see the difference for your own numbers.
Why does the calculator show a value in today's money?
Because inflation erodes purchasing power. A corpus that looks enormous in twenty years may buy far less than the same nominal amount does now. Dividing the maturity value by cumulative inflation gives the real value, which is the honest basis for judging whether a goal will be met.
What is the difference between SIP and lump sum investing?
A SIP spreads purchases across months, so you buy more units when prices fall and fewer when they rise, which averages out your entry price and removes the need to time the market. A lump sum puts everything to work immediately, which usually wins if markets rise steadily but hurts badly if you invest just before a downturn. This calculator can model both together.
Are taxes and fund charges included?
No. The projection is before tax, exit loads and any expense ratio charged by the fund. Capital gains treatment varies by country, holding period and fund type, so your net proceeds will be lower than the figure shown. Treat the result as a gross projection.
What happens if I stop or pause my SIP?
The projection assumes every instalment is paid on time for the full period. Pausing reduces both the amount invested and the compounding time on those instalments, and the effect is largest for contributions made early. To model a shorter commitment, simply reduce the number of years.
Is any of my data saved?
No. Everything is calculated locally in your browser. Nothing is sent to a server, no account is required and closing the tab clears your inputs. This is a planning tool, not financial advice — for decisions about your own portfolio, speak to a qualified adviser.
See what your monthly investment could become
Set the amount, the rate and the horizon, add a step-up if your income is growing, and read both the headline corpus and what it is really worth. Free, private and with no sign-up.