About SIP Calculator
Plan monthly investing with our SIP Calculator. Enter monthly investment, expected return, tenure, and optional annual step-up to see total invested, returns earned, final corpus, growth chart, and yearly breakdown.
SIP Return Formula
Use these standard formulas for accurate estimates:
Future value of SIP
FV = P × [((1 + r)n − 1) / r] × (1 + r)
P = monthly investment, r = monthly rate, n = months
P = monthly investment, r = monthly rate, n = months
With step-up
Increase P each year by step-up % before compounding monthly instalments
Example Calculation
Example: ₹10,000/month for 15 years @ 12%
| Component | Value |
|---|---|
| Monthly SIP | ₹10,000 |
| Total invested | ₹18,00,000 |
| Estimated corpus | ₹50,45,000 |
| Wealth gained | ₹32,45,000 |
Benefits of Using This Calculator
Instant results with standard financial formulas
Clear charts and tables for better decisions
Mobile-friendly — works on any device
100% free — no signup or data stored on servers
Built for Indian investors and taxpayers
Compare scenarios side-by-side where applicable
Frequently Asked Questions
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SIP (Systematic Investment Plan) is investing a fixed amount in a mutual fund at regular intervals, usually monthly, to benefit from rupee cost averaging and compounding.
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Each instalment compounds at the expected rate until the end of tenure. Step-up SIP increases the monthly amount every year.
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No. Market-linked SIPs fluctuate. The calculator uses an assumed return for planning only.
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Step-up SIP increases your monthly investment by a fixed percentage each year, accelerating wealth creation as income grows.
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