Free SIP calculator for India
SIP Calculator
Estimate the future value of monthly mutual fund investments, compare invested amount and potential gains, and model an annual step-up.
Projection includes
Monthly SIP
Set the amount invested every month
Expected return
Model compounding with an assumed rate
Annual step-up
Increase contributions once each year
SIP inputs
Plan monthly investing
Estimated corpus
₹11,61,695
After 10 years at an assumed 12% annual return.
Total invested
₹6,00,000
Estimated returns
₹5,61,695
Yearly projection
This is an illustration based on a constant assumed return. Mutual fund returns are market-linked and are not guaranteed.
Investment planning
Understand how time and consistency can affect a SIP.
Compare contribution plans, test a step-up strategy, and review the year-by-year projection before making an investment decision.
Related tools
More calculators and business utilities.
FAQ
SIP calculator questions.
How is the SIP maturity value calculated?
The calculator adds each monthly contribution and applies the selected monthly rate of return. Contributions are modeled at the beginning of each month, and the result compounds through the selected duration.
What is a step-up SIP?
A step-up SIP increases the monthly contribution once each year. For example, a 10% annual step-up changes a Rs. 5,000 monthly SIP to Rs. 5,500 after the first year.
Are SIP returns guaranteed?
No. Mutual fund returns are market-linked. The calculator uses a constant assumed return only to illustrate a possible outcome.
Does this calculator include tax or fund charges?
No. The estimate does not deduct expense ratios, exit loads, capital-gains tax, or other charges that can affect the final amount.