SIP Calculator
Work out what a systematic investment plan could be worth. Enter a monthly amount, an expected annual return and a time horizon — optionally stepping the instalment up each year — and see the invested total, the estimated returns and the maturity value.
Your plan
How to use this calculator
1. Enter the monthly instalment
Use the amount that actually leaves your bank account each month. If you run several SIPs with the same horizon and a similar mix of funds, add them together and treat them as one plan.
2. Pick an expected annual return
This is the long-run average you assume the portfolio will earn, before tax and after fund charges. Equity plans are often modelled at 10–12%, balanced plans nearer 8%, and debt plans lower still. Run the numbers two or three percentage points lower as well — that gap is the honest range of outcomes.
3. Set the horizon
The number of years you will keep contributing. Compounding does most of its work late, so the difference between 10 and 20 years is far larger than the difference between 5 and 10.
4. Add a step-up if your income grows
Enter the percentage you will raise the instalment by each year. The yearly table and the growth chart update to show how much of the final value comes from those increases rather than from the return assumption.
About SIP returns
Is the maturity value guaranteed?
No. The expected annual return is an assumption you type in, not a promise. Market-linked investments move up and down, and a real portfolio almost never earns the same percentage every single month. Treat the maturity value as one scenario, then rerun it with a lower return to see the pessimistic case.
What is a step-up SIP?
A step-up (or top-up) SIP raises the amount you invest every month by a fixed percentage once a year, usually to match a salary increase. A 10% step-up on a 5,000 monthly plan means you invest 5,500 a month in year two, 6,050 in year three, and so on. Because the extra money goes in early, a modest step-up often adds far more to the final value than stretching for a higher return.
Which formula does this calculator use?
With no step-up it is the future value of an annuity due: FV = P × ((1+i)n − 1) / i × (1+i), where P is the monthly amount, i is the annual return divided by 12, and n is the number of months. The (1+i) factor assumes each instalment is invested at the start of the month. When a step-up is set, the calculator simulates month by month instead and raises the instalment after every twelfth month.