About this sip calculator
Estimate what a monthly SIP could grow into. Enter the contribution, the number of years and an assumed annual return, and the result separates what you put in from what the assumption adds. If you plan to raise the amount each year as your income rises — a step-up SIP — set the annual step-up percentage and both the projection and the schedule follow it. The chart and the month-by-month table show how the two parts diverge over time. This is a mathematical illustration of the assumptions you enter, not a prediction and not advice about any fund.
How the sip calculator works
Monthly rate r = annual rate ÷ 12 ÷ 100 and n = years × 12. With a fixed contribution P, the end-month value is P × ((1+r)^n − 1) ÷ r, and beginning-of-month deposits multiply that by (1+r). With an annual step-up of g%, the contribution in year k is P × (1+g/100)^(k−1). Each year is treated as its own twelve-month annuity which then compounds for the years remaining after it, and the results are added. At a step-up of zero this reduces to the fixed formula above. A zero return rate returns the contributions only.
SIP Calculator examples
₹5,000 monthly for 10 years at 10%, no step-up
Invested ₹6,00,000 · Estimated total ₹10,32,760
Same, with a 10% annual step-up
Invested ₹9,56,245 · Estimated total ₹15,22,926 — the contribution reaches ₹11,790 a month by year 10
₹10,000 monthly for 20 years at 10% with a 10% step-up
Contributions rise each year; the schedule below shows every month
Any amount at a 0% return
Returns the contributions only, which is the floor the projection sits on
Limitations & privacy
Assumes a constant return with monthly compounding and deposits that never stop. Excludes taxes, exit loads, expense ratios, inflation and market volatility — a real fund returns a different amount every year, and a projection drawn from one assumed rate will not match it. The step-up applies on each anniversary, as a percentage of the previous year's amount. Returns are not guaranteed. Amounts use your selected currency as a display unit only.
Inputs and results stay in this browser. Only tool identifiers are stored for your recently used tools. You can clear that history from the directory.
SIP Calculator: frequently asked questions
What is a step-up SIP?
One where you raise the monthly amount by a set percentage every year, usually to track a rising income. A 10% step-up on ₹5,000 means ₹5,500 a month in year two and ₹6,050 in year three. Over a long period it changes the outcome far more than most people expect, because the later, larger contributions still get years of compounding.
How much difference does a step-up actually make?
On ₹5,000 a month for 10 years at an assumed 10%, a 10% annual step-up raises the projection from about ₹10.3 lakh to about ₹15.2 lakh. Most of that is simply more money invested — ₹9.6 lakh instead of ₹6 lakh — so treat it as a saving plan rather than a return trick.
Does the rate mean a guaranteed return?
No. It is an assumption you supply. A fund returns a different amount every year, and this projection applies one constant rate, so the real outcome will differ. Use it to compare scenarios, not to expect a number.
Does this account for inflation?
No. Every figure is in today's rupees with no adjustment, so a total twenty years out buys less than the same number does now. Taxes, exit loads and expense ratios are excluded too.
When are contributions made?
You choose. Beginning-of-month deposits earn one extra month of growth each year compared with end-of-month, which is why the two settings give slightly different totals.
Is this a mutual fund SIP calculator?
It does the arithmetic a mutual fund SIP projection uses, with no fund data attached. It does not know any scheme's past returns and is not connected to any fund house, so it cannot tell you what a particular fund did or will do.
Updated October 10, 2026