SIP Calculator
See how much a monthly SIP could grow to at an expected return, with an optional yearly step-up in the amount. It runs in your browser.
Also searched as: sip return calculator · mutual fund sip calculator · monthly investment calculator · step up sip calculator
Updated November 9, 2026
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How to use it
- 1
Enter the monthly amount
Type what you invest each month.
- 2
Add return and years
Enter the expected yearly return and how long you invest.
- 3
See the growth
Read the total value, your returns and the value year by year.
Questions about sip calculator
What is a SIP?
A systematic investment plan: a fixed amount invested every month, usually in a mutual fund.
What does step-up mean?
Raising the monthly amount by a set percentage each year, for example as your income grows.
Are the returns guaranteed?
No. Market returns vary. The result is a projection at the steady rate you enter.
How the projection works
The tool treats the yearly return as one twelfth per month and assumes each instalment goes in at the start of the month. Investing 5,000 a month at 12% for 10 years puts in 600,000 and grows to about 1,161,695, so about 561,695 of the final value is growth. The table shows how growth speeds up in the later years.
| Years | Invested | Value | Growth |
|---|---|---|---|
| 5 | 300,000 | 412,432 | 112,432 |
| 10 | 600,000 | 1,161,695 | 561,695 |
| 15 | 900,000 | 2,522,880 | 1,622,880 |
| 20 | 1,200,000 | 4,995,740 | 3,795,740 |
| 25 | 1,500,000 | 9,488,175 | 7,988,175 |
Step-up and the limits of the estimate
Raising the instalment by 10% every year turns the same 10-year plan into 956,245 invested and about 1,687,163 in value, compared with 1,161,695 without the step-up. Even a small yearly increase adds up over a long plan.
Fund returns are not steady and are not guaranteed. The tool shows what would happen at the single rate you type, and it leaves out fund charges and tax, which lower the real result. Try a lower rate as well as the one you hope for.
Monthly SIP or one lump sum
Because a SIP is spread over time, it grows less than the same total put in on day one. Putting in 600,000 as a single amount at 12% for 10 years would grow to about 1,980,232, against 1,161,695 for 5,000 a month. That is not a reason to wait until you have a lump sum. Most people invest from income, and a SIP builds the habit.
A SIP also buys more units when prices are low and fewer when they are high, which smooths out the price you pay. The tool does not model that, because it assumes the same return every month.