SIP Calculator
Estimate what a monthly SIP, a step-up SIP or a lump-sum investment can grow to, with year-by-year growth and an inflation-adjusted value.
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How to use SIP Calculator
- 1
Open SIP Calculator on this page. It loads right in your browser.
- 2
Add your file, text or values and adjust the settings.
- 3
Copy the result or download it. Nothing is uploaded or stored.
How to use it: SIP Calculator
A SIP (systematic investment plan) invests a fixed amount in a mutual fund every month. This SIP calculator shows how much those monthly investments can grow to over time, how much of the final value is your own money and how much comes from returns.
Switch to Step-up SIP to raise the amount every year as your income grows, or to Lump sum for a one-time investment. A growth chart shows the corpus year by year, and the inflation field converts the result into today's money so you know what it will really buy.
How to use it
- Choose SIP, Step-up SIP or Lump sum.
- Enter the monthly (or one-time) amount, the expected annual return and the number of years.
- For a step-up SIP, set how much the amount rises each year.
- Read the estimated value, invested amount, returns and the value after inflation.
How it is calculated
For a monthly SIP the future value is FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is the monthly amount, i the monthly return (annual ÷ 12 ÷ 100) and n the number of months. A lump sum grows as FV = P × (1 + r)^years.
Worked example
Investing ₹10,000 a month for 15 years at an expected 12% a year means putting in ₹18 lakh. The estimated value is about ₹50.5 lakh, so roughly ₹32.5 lakh comes from returns. With a 10% step-up every year, the same SIP grows to about ₹87 lakh. At 6% inflation, ₹50.5 lakh in 15 years buys about what ₹21 lakh buys today, which is why the real value matters for goals.
Who uses it
- Salaried investors planning a monthly mutual fund SIP
- Parents saving for a child's education
- People working towards retirement or a house down payment
- Anyone comparing a SIP with a one-time lump-sum investment
Tips
- Starting five years earlier often matters more than investing a little more each month, because of compounding.
- A 10% yearly step-up can almost double the final corpus of a long SIP.
- Use a conservative return (10 to 12% for equity funds) and check the inflation-adjusted value for realistic goals.
Free, private and instant: every calculation runs in your browser, nothing is uploaded or stored, and there is no sign-up or limit. Related calculators: compound interest calculator, EMI calculator, percentage calculator.
Features
- SIP, step-up SIP and lump-sum modes
- Year-by-year growth chart
- Invested vs returns breakdown
- Inflation-adjusted value in today's money
- INR, USD and other currencies
Frequently asked questions
How does a SIP calculator work?
It assumes each monthly instalment is invested at the start of the month and compounds at the expected return until the end of the period, then adds everything up.
What return should I expect from a SIP?
Nobody can promise a return. Long-term equity mutual funds in India have often delivered around 10 to 14% a year, but results vary; use a lower figure to stay safe.
What is a step-up SIP?
A step-up (top-up) SIP increases the monthly amount by a fixed percentage every year, so your investment grows with your salary.
SIP or lump sum: which is better?
A lump sum invested early can grow more if markets rise, while a SIP spreads your entry over time and reduces timing risk. The calculator lets you compare both.
How much should I invest in a SIP each month?
Work backwards from your goal: try different monthly amounts until the inflation-adjusted value reaches the target, and review it every year as your income changes.
Are SIP returns taxed?
In India, gains on equity funds held over a year are taxed as long-term capital gains above an annual exemption, and short-term gains at a higher rate. Rules change, so check the current limits.
Is this calculator free and private?
Yes. It is completely free, needs no account and runs entirely in your browser, so the numbers you type are never sent to a server or stored.