SIP Calculator

Estimate what a monthly systematic investment plan grows to at an expected annual return, with an optional yearly increase.

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📘 Read the full guide: How SIP Returns Are Calculated — The Formula Behind Every SIP Calculator →

How to use the SIP Calculator

Enter the amount you will invest every month.
Enter a realistic expected annual return (equity funds have historically delivered 10–12% over long periods; debt funds 6–8%).
Choose how many years you will keep investing.
Optionally add a yearly step-up to see the effect of raising your SIP with your salary.

Formula used

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

P = monthly SIP, i = annual return ÷ 12 ÷ 100, n = number of months. With a step-up, the instalment rises by the step-up % every 12 months and the balance is compounded month by month.

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SIP Calculator — FAQs

How accurate is a SIP calculator?▾

It is exact for a constant return. Real mutual fund returns vary every month, so treat the result as an estimate of what the expected average return would produce.

What return should I assume for SIP?▾

Many planners use 10–12% for diversified equity funds over 10+ years, 8–9% for hybrid funds and 6–7% for debt funds. Being conservative avoids under-saving.

What is a step-up SIP?▾

A step-up (top-up) SIP increases the monthly instalment by a fixed percentage every year. Even a 10% step-up greatly increases the final corpus.

Are SIP returns taxable?▾

Yes. Equity fund gains held over 12 months are long-term capital gains taxed at 12.5% above ₹1.25 lakh a year; shorter holdings are taxed at 20%. Debt fund gains are taxed at slab rates.

How to use the SIP Calculator

Formula used

SIP Calculator — FAQs

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