See how much a monthly SIP could be worth after a number of years, and how much of that is growth on top of what you invested.
₹
%
Not guaranteed; returns vary.
years
% a year
Raise the SIP by this much every year; 0 keeps it flat.
Estimated value
₹50,45,760
Amount invested
₹18,00,000
Estimated gains
₹32,45,760
Year-by-year growth
Year
Invested
Estimated value
1
₹1,20,000
₹1,28,093
2
₹2,40,000
₹2,72,432
3
₹3,60,000
₹4,35,076
4
₹4,80,000
₹6,18,348
5
₹6,00,000
₹8,24,864
6
₹7,20,000
₹10,57,570
7
₹8,40,000
₹13,19,790
8
₹9,60,000
₹16,15,266
9
₹10,80,000
₹19,48,215
10
₹12,00,000
₹23,23,391
11
₹13,20,000
₹27,46,148
12
₹14,40,000
₹32,22,522
13
₹15,60,000
₹37,59,311
14
₹16,80,000
₹43,64,180
15
₹18,00,000
₹50,45,760
How to use the SIP calculator
Enter how much you will invest every month.
Enter the average yearly return you expect.
Enter how many years you will keep investing, and an annual step-up if you plan to raise the SIP every year.
Compare the estimated value with the amount invested, and open the yearly table to see the growth curve.
Example
Investing ₹10,000 a month for 10 years at an assumed 12% a year gives an estimated value of about ₹23.2 lakh on ₹12 lakh invested. Extend the same SIP to 20 years and the estimate rises to about ₹1 crore on ₹24 lakh invested. That is the effect of compounding.
Tips for SIP investors
Start early. Time in the market matters more than the monthly amount.
Step up yearly. Raising your SIP when your income rises makes a large difference over 15–20 years. Enter a step-up % above to see how much.
Stay invested through dips. SIPs buy more units when prices fall, which is called rupee cost averaging.
Mutual fund investments are subject to market risks. This calculator is for education only and is not investment advice.
Frequently asked questions
What formula does this SIP calculator use?
It assumes you invest at the start of every month and returns compound monthly: FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the monthly amount, i is the annual return ÷ 12 ÷ 100 and n is the number of months. Most Indian fund-house calculators use the same convention.
Are SIP returns guaranteed?
No. Mutual fund returns depend on the market and can be negative in some years. The calculator shows what happens if returns average the rate you enter. Treat it as a planning estimate, not a promise.
What return should I assume?
Use a conservative rate that matches the fund type. Long-run equity returns have historically been higher than debt, but past performance does not predict future returns. Try several rates to see a range of outcomes.
What is a step-up SIP?
A SIP whose monthly amount rises by a fixed percentage every year, usually in line with your salary. Starting at ₹10,000 and stepping up 10% a year, at 12% for 10 years you invest ₹19,12,491 and the estimated value is ₹33,74,326, against ₹23,23,391 from a flat ₹10,000 SIP. In year 10 the SIP is ₹23,579 a month. Enter a step-up in the calculator to try your own numbers.
Is tax included?
No. Gains on mutual funds may be taxable when you redeem them, depending on the fund type and how long you held it. Check the current tax rules or speak to a tax adviser.