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SIP Calculator

See what a monthly SIP could grow to, how much of it is your own money and how much is returns — or work backwards from a goal to the SIP you need.

Runs in your browser Free · no sign-up

At a glance

  • Calculates the future value of a SIP with the standard formula FV = P × [(1 + i)ⁿ − 1] ÷ i × (1 + i), where i is the monthly return and n the number of instalments.
  • ₹5,000 a month for 10 years at 12% grows to about ₹11.62 lakh — ₹6 lakh invested and ₹5.62 lakh of returns.
  • Step-up SIP: raise the instalment by a percentage every year; a 10% step-up turns that ₹11.62 lakh into about ₹16.87 lakh.
  • Goal planner: enter a target (say ₹1 crore in 15 years) and get the monthly SIP needed — about ₹19,819 at 12%.
  • Add a lump sum, see the result in today’s money after inflation, and estimate tax on equity gains (12.5% above ₹1.25 lakh).
  • Year-by-year chart and table, downloadable as CSV. Runs in your browser; returns shown are estimates, not guarantees.

Step by step

How to calculate SIP returns

  1. 1

    Enter the monthly amount

    Type how much you plan to invest every month.

  2. 2

    Set the expected return

    Use a long-term yearly return you find reasonable — many people use 10–12% for equity funds.

  3. 3

    Choose the period

    Pick the number of years, and add a yearly step-up if you plan to increase the SIP.

  4. 4

    Read the result

    See the estimated value, the amount invested and the returns, with a year-by-year breakdown.

Features

Everything you need, nothing you don’t

Step-up SIP

Model a SIP that rises with your salary each year.

Work back from a goal

Find the monthly amount for a house, education or retirement target.

SIP plus lump sum

Combine a starting investment with monthly instalments.

Inflation-adjusted

See what the future amount is worth in today’s rupees.

After-tax estimate

Optional long-term capital gains tax for equity funds.

Five currencies

Rupees with lakh and crore, or dollars, euros, pounds and dirhams.

How SIP returns are calculated

A SIP (systematic investment plan) invests a fixed amount in a mutual fund every month. Each instalment earns returns for the time it stays invested, so the first one grows the longest. Adding them up gives FV = P × [(1 + i)ⁿ − 1] ÷ i × (1 + i), with i = yearly return ÷ 12 and n = number of months.

Time matters more than amount: ₹10,000 a month at 12% becomes about ₹23 lakh in 10 years but about ₹99.9 lakh in 20 years — the investment doubles, the result more than quadruples.

What ₹5,000 a month can become

YearsInvestedAt 10%At 12%At 15%
5₹3,00,000₹3.90 lakh₹4.12 lakh₹4.48 lakh
10₹6,00,000₹10.33 lakh₹11.62 lakh₹13.93 lakh
15₹9,00,000₹20.90 lakh₹25.23 lakh₹33.84 lakh
20₹12,00,000₹38.28 lakh₹49.96 lakh₹75.80 lakh

FAQ

Frequently asked questions

How much will a ₹5,000 SIP give after 10 years?

At 12% a year, about ₹11.62 lakh: ₹6,00,000 that you invest and about ₹5.62 lakh of returns. At 10% it is about ₹10.33 lakh, at 15% about ₹13.93 lakh.

What is a step-up SIP?

A SIP that increases every year, usually by 5–10%, in line with your income. Because the larger instalments still have years to grow, it builds a noticeably bigger corpus than a flat SIP.

What return should I assume?

No one knows future returns. Diversified equity funds in India have delivered roughly 10–14% a year over long periods, with bad years in between; debt funds are nearer 6–8%. Try a lower number as well to see a cautious case.

How much SIP do I need for ₹1 crore?

At 12% a year: about ₹43,000 a month for 10 years, ₹19,800 for 15 years or ₹10,000 for 20 years. Switch to SIP for a goal to work it out for your own target and period.

Are SIP returns taxed?

For equity funds, gains on units held over a year are taxed at 12.5% above ₹1.25 lakh a year; units sold within a year are taxed at 20%. Each instalment has its own one-year clock. The tax switch gives a simple estimate.

Is this a guarantee of returns?

No. It shows what a steady return would produce. Real funds rise and fall, so treat the result as an illustration for planning.

Keep going

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