SIP Calculator
Estimate systematic investment growth, add an annual step-up, review each year, or calculate the monthly SIP needed for a goal
Plan a SIP in 3 steps
Choose your calculation, enter realistic assumptions, then review the projected growth.
- Choose purposeProject an SIP or work backwards from a goal.
- Add assumptionsEnter the return, duration, and optional step-up.
- Review growthCompare invested money, returns, chart, and yearly values.
Build your investment plan
Use an expected return you consider realistic. Market returns are never guaranteed.
Investment projection
₹ 10,000 invested monthly for 10 years.
Opening balance, contributions, returns, and year-end value for every year.
| Year | Opening balance | Monthly SIP | Invested | Returns | Closing balance |
|---|---|---|---|---|---|
| 1 | ₹ 0 | ₹ 10,000 | ₹ 1,20,000 | ₹ 8,093 | ₹ 1,28,093 |
| 2 | ₹ 1,28,093 | ₹ 10,000 | ₹ 1,20,000 | ₹ 24,339 | ₹ 2,72,432 |
| 3 | ₹ 2,72,432 | ₹ 10,000 | ₹ 1,20,000 | ₹ 42,644 | ₹ 4,35,076 |
| 4 | ₹ 4,35,076 | ₹ 10,000 | ₹ 1,20,000 | ₹ 63,272 | ₹ 6,18,348 |
| 5 | ₹ 6,18,348 | ₹ 10,000 | ₹ 1,20,000 | ₹ 86,515 | ₹ 8,24,864 |
| 6 | ₹ 8,24,864 | ₹ 10,000 | ₹ 1,20,000 | ₹ 1,12,707 | ₹ 10,57,570 |
| 7 | ₹ 10,57,570 | ₹ 10,000 | ₹ 1,20,000 | ₹ 1,42,220 | ₹ 13,19,790 |
| 8 | ₹ 13,19,790 | ₹ 10,000 | ₹ 1,20,000 | ₹ 1,75,476 | ₹ 16,15,266 |
| 9 | ₹ 16,15,266 | ₹ 10,000 | ₹ 1,20,000 | ₹ 2,12,949 | ₹ 19,48,215 |
| 10 | ₹ 19,48,215 | ₹ 10,000 | ₹ 1,20,000 | ₹ 2,55,176 | ₹ 23,23,391 |
Use SIP projections as a planning range
The calculator assumes a constant annual return and monthly compounding. Actual mutual fund or market-linked returns vary, and taxes, fees, and exit loads can reduce the final value.
SIP Calculator FAQs
What is an SIP?
A systematic investment plan is a fixed amount invested at regular intervals, commonly every month.
When is each monthly contribution assumed?
This calculator assumes the contribution is made at the start of each month and then earns that month’s estimated return.
How does annual step-up work?
The monthly contribution increases after every 12 months by your selected percentage or fixed amount.
How does goal calculation work?
It works backwards from the target, duration, return, and step-up to estimate the required starting monthly SIP.
Are the returns guaranteed?
No. This is an illustration based on a constant expected return. Market-linked investments can deliver higher or lower results.
Does this include tax, fees, or inflation?
No. The projection excludes tax, fund expenses, transaction costs, and inflation unless they are already reflected in the return or goal you enter.