Flat SIP
₹11.62 L
Invested ₹6.00 L
SIP Calculator
SIP Calculator
Calculate returns on Systematic Investment Plan
Private in browser
Instant report
Educational estimate
Inputs
Configurable₹5,000
12.0%
10 years
Step-up SIP
Increase the SIP amount once every year.Plan setup
Change mode, path, or scenario after entering the core numbers.
Projection
SIP
Base
Results
ProjectedCorpus
₹11.62 L
48% growth share
Total Value₹11.62 L
Invested Amount₹6.00 L
Estimated Returns₹5.62 L
Projected Corpus
₹11.62 L
Invested Amount
₹6.00 L
Estimated Returns
₹5.62 L
Monthly SIP
₹5,000
This path keeps the monthly SIP fixed across the full time horizon.
Assumptions
ViewProjection
ScenarioBase
ModeSIP
Return12.0%
Horizon10 Yr
Step-upOff
CompoundingMonthly
Flat vs Step-up vs Lumpsum
Step-up SIP
₹16.87 L
Adds ₹5.25 L over flat SIP at 10.0% step-up
Lumpsum
₹77,646
Using ₹25,000 one-time
Growth Over Time
ChartAssumptions and Methodology
Formula usedFuture value of recurring SIP cash flows
FV = M × [((1 + r)^n - 1) / r] × (1 + r)
Flat SIP projection assumes monthly contributions, monthly compounding, and a constant expected annual return. Goal mode solves the same compounding math in reverse for flat SIP and lumpsum plans, while step-up SIP comparisons are simulated year by year against the selected return scenario.
AssumptionsBase scenario
- Monthly SIPs are assumed to be invested regularly without skips or delays.
- Expected return remains constant through the full investment horizon.
- Scenario bands change the working return assumption only; they do not alter contribution timing or fund costs.
- Projection ignores fund-level taxes, exit loads, and expense-ratio drag unless modeled separately.
- Uses the current contribution pattern with the entered expected return.
Limits and freshnessUpdated 2026-04-03
- Actual mutual fund returns will vary and can be negative over shorter periods.
- The model does not account for sequence-of-returns risk or market volatility between contributions.
- Real-life SIP changes such as pauses, bonus top-ups, and redemption timing are not included by default.
- Step-up SIP target estimates are numerical approximations built from the step-up projection engine rather than a closed-form formula.
Compare the flat SIP against a modest annual step-up before increasing the return assumption, because contribution growth is usually the safer lever.
Year-by-Year Breakdown
Table| Year | Invested | Returns | Total Value |
|---|---|---|---|
| 1 | ₹60,000 | ₹4,047 | ₹64,047 |
| 2 | ₹1,20,000 | ₹16,216 | ₹1,36,216 |
| 3 | ₹1,80,000 | ₹37,538 | ₹2,17,538 |
| 4 | ₹2,40,000 | ₹69,174 | ₹3,09,174 |
| 5 | ₹3,00,000 | ₹1,12,432 | ₹4,12,432 |
| 6 | ₹3,60,000 | ₹1,68,785 | ₹5,28,785 |
| 7 | ₹4,20,000 | ₹2,39,895 | ₹6,59,895 |
| 8 | ₹4,80,000 | ₹3,27,633 | ₹8,07,633 |
| 9 | ₹5,40,000 | ₹4,34,108 | ₹9,74,108 |
| 10 | ₹6,00,000 | ₹5,61,695 | ₹11,61,695 |
Assumptions and methodology
Transparent calculation notes for SIP Calculator.
Formula used
Recurring SIP future value
FV = M x [((1 + r)^n - 1) / r] x (1 + r)
Monthly SIP contributions compound at the selected monthly return derived from the annual expected return.
Methodology
- Convert annual return to monthly return.
- Compound each monthly contribution through the remaining period.
- Compare invested amount, estimated returns, and final corpus.
Core assumptions
- SIPs are invested monthly without skips.
- Return remains constant through the horizon.
- Scenario settings change assumptions only; they do not guarantee outcomes.
Not included
- Market volatility, taxes, exit load, expense ratio, and irregular SIP changes are excluded unless separately modeled.
- Actual returns can be lower or negative over shorter periods.
About SIP Calculator
Guide1What is SIP (Systematic Investment Plan)?
A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly in mutual funds. Instead of investing a lump sum, SIP allows you to invest small amounts at regular intervals — typically monthly — making it one of the most popular investment strategies in India.
SIP works on the principle of rupee cost averaging, where you buy more units when the market is low and fewer when it's high, effectively averaging out your cost over time.
2SIP Formula
The future value of a SIP investment is calculated using the formula:
FV = M × [((1 + r)^n - 1) / r] × (1 + r)
- FV = Future Value of the investment
- M = Monthly investment amount
- r = Monthly rate of return (annual rate / 12 / 100)
- n = Total number of months
3How to Use This SIP Calculator
- Step 1: Enter your monthly investment amount (e.g., ₹5,000)
- Step 2: Set the expected annual return rate (e.g., 12%)
- Step 3: Choose the investment duration in years
- Step 4: View your projected returns, total investment, and growth chart instantly
4Benefits of SIP Investing
- Rupee Cost Averaging: Reduces the impact of market volatility
- Power of Compounding: Small regular investments grow exponentially over time
- Disciplined Investing: Automates your investment habit
- Flexible: Start with as low as ₹500/month and increase over time
- No Market Timing: Eliminates the need to predict market highs and lows