SIP Calculator
See what a monthly investment could grow to over time, with an optional yearly step-up.
Year-by-year growth
| Year | Monthly SIP | Invested so far | Value |
|---|
How your SIP value is worked out
Every monthly instalment grows at the monthly return until the end, then they're all added up.
- 1
Monthly return
12% ÷ 12 = 1%
- 2
What you put in
₹5,000 a month
× 120 months
= ₹6,00,000 - 3
Each one grows
First ₹5,000
→ ₹16,502
Last ₹5,000
→ ₹5,050 - 4
Add them all up
Value ₹11,61,695
− ₹6,00,000
= ₹5,61,695
Read more: the SIP formula, a worked example and step-ups
A SIP (systematic investment plan) puts a fixed amount into a mutual fund every month. Each instalment earns returns, and those returns earn returns of their own. That compounding is why the gap between what you invest and what it is worth widens every year.
value = P × ((1 + i)ⁿ − 1) ÷ i × (1 + i)
Here P is the monthly amount, i is the monthly return (the annual rate ÷ 12 ÷ 100), and n is the number of months. The last factor assumes you invest at the start of each month, which is how most fund houses calculate it.
Worked example
₹5,000 a month for 10 years at 12% a year means investing ₹6,00,000 in total. It grows to about ₹11,61,695, so roughly ₹5.6 lakh comes from returns.
Step-up SIP
A step-up raises your SIP by a fixed percentage each year, usually in line with your salary. Even a 10% yearly step-up can add a lot to the final value over 15 to 20 years. Try it above.
Returns from equity funds are not guaranteed and vary from year to year. This calculator assumes a steady average return, so treat the result as an illustration, not a promise. It is not investment advice.