SIP Calculator
SIP returns with yearly step-up, value after inflation and a lump-sum comparison, plus a year-by-year table.
By Syed Mubashir Ali · Last updated
Estimates only — not financial advice. Figures are calculated in your browser from the rates shown and may differ from your bank, lender or tax authority. Check important numbers before acting on them.
How to Use SIP Calculator
- 1Enter your monthly SIP amount, the expected yearly return and the number of years.
- 2Add a yearly step-up if you plan to raise the SIP as your income grows.
- 3Read the maturity value, the amount invested and the estimated returns, with the value in today's money after inflation.
- 4Optionally compare with investing a single lump sum for the same period.
- 5See the growth chart and the year-by-year table, then copy or share the result.
Frequently Asked Questions
How much will a 5,000 SIP grow to in 10 years?
At an assumed 12% a year, a monthly SIP of 5,000 for 10 years (6,00,000 invested) grows to about 11.6 lakh. With a 10% step-up each year it would grow to about 16.9 lakh on 9.56 lakh invested. Actual mutual fund returns vary.
What is a step-up SIP?
A SIP whose amount rises by a fixed percentage every year, usually in line with salary increases. Because later, larger instalments still have years to grow, a step-up makes a big difference to the final value.
How is SIP return calculated?
With the standard formula FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is the monthly amount, i the monthly return and n the number of months. It assumes each instalment is invested at the start of the month and returns compound monthly.
Why show the value in today's money?
Because prices rise. At 6% inflation, money in 20 years buys about a third of what it does today, so a target like a child's education or retirement should be judged in today's money.
Is a SIP better than a lump sum?
A lump sum invested at the start has longer to grow, so with steady returns it ends higher. A SIP spreads purchases over time (rupee-cost averaging) and suits people investing from monthly income. Use the comparison field to see both for your figures.
About SIP Calculator
The SIP calculator estimates what a systematic investment plan in mutual funds could be worth, using the same formula fund houses and AMFI-registered advisers use. Enter a monthly amount, an expected return and a period to see the maturity value, how much you put in and how much came from growth.
It goes beyond a basic SIP calculator with a yearly step-up, a figure in today's money after inflation and a side-by-side comparison with a one-time lump sum, plus a growth chart and a year-by-year table you can copy or share.
Returns from equity and debt funds are market-linked and not guaranteed. Use realistic assumptions, and remember that expense ratios, exit loads and capital-gains tax reduce what you actually receive.