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SIP Calculator

Estimate systematic investment plan future value, total investment, estimated returns, and yearly growth summary.

  • systematic investment plan
  • mutual fund
  • monthly investment

Optional. Increase the monthly SIP by this percentage at the start of each new investment year.

Status: initial

Results

Awaiting calculation

Explore your result

Investment versus growth

Explore the sip calculator result visually while keeping this page's detailed guidance and examples.

₹1,540,000.00Total

Investment versus growth

Invested
₹900,000.00
Estimated returns
₹640,000.00

Use this result well

  1. 1Verify the calculator inputs.
  2. 2Compare the key result relationships.
  3. 3Review the page guidance before acting.

SIP projections are scenarios, not guaranteed market returns.

Calculator guide

Introduction

A SIP calculator estimates the future value of regular monthly investments using an assumed annual return, investment period, and optional annual step-up. It shows invested amount, estimated returns, yearly growth, milestone timing, and scenario comparison.

What is SIP?

A systematic investment plan, or SIP, is a way to invest a fixed amount at regular intervals. In this calculator, the interval is monthly, and you can optionally increase the monthly amount once every year with a step-up percentage.

SIP formula

The SIP future value formula estimates how monthly investments may grow when each contribution compounds at an assumed monthly return rate. For step-up SIP, the calculator simulates month-by-month contributions and increases the SIP amount annually.

Variable explanations

Understand what each input and result means before calculating.

Monthly investment

The amount invested every month.

Expected annual return

The assumed annual return used for estimation. It is not guaranteed.

Time period

The investment duration entered in years or months.

Annual step-up

Optional yearly increase in the monthly SIP amount.

Monthly return

The annual return divided by 12 for formula use.

Future value

The estimated maturity value at the end of the period.

Estimated returns

The estimated difference between future value and invested amount.

Maturity multiple

Future value divided by total invested amount.

Reviewed by the Calculator.org.in Editorial Team

Formula behavior, validation cases, explanatory examples, and cited sources are checked before publication. This review supports educational accuracy and is not a substitute for qualified professional advice.

Last reviewed: 2026-08-03

Review process

Formula guide

See the calculation logic, variable definitions, and practical meaning.

Future value of SIP

FV = P x [((1 + r)^n - 1) / r] x (1 + r)

  • P is monthly investment.
  • r is monthly return rate.
  • n is number of months.

This assumes each monthly investment compounds at the same expected return.

Monthly return

Monthly Return = Expected Annual Return / 12

  • Annual return is entered as a percentage.

The monthly rate is used in the SIP future value formula.

Step-up SIP

Monthly SIP for next year = Current Monthly SIP x (1 + Step-up % / 100)

  • Step-up is applied annually.
  • A 10% step-up turns 10,000 into 11,000 next year.

Step-up SIP estimates how gradually increasing contributions can affect maturity value.

Zero return

FV = Monthly Investment x Number of Months

  • Used when expected annual return is 0%.

Without assumed growth, future value equals the total invested amount.

Estimated returns

Estimated Returns = Future Value - Total Investment

  • Total investment is monthly investment multiplied by months.

Estimated returns are the assumed growth above contributed capital.

Maturity multiple

Maturity Multiple = Future Value / Total Investment

  • A value above 1 means estimated value is above contributed amount.

This helps compare the estimated corpus with the money invested.

Estimated gain percentage

Gain % = Estimated Returns / Total Investment x 100

  • This is not CAGR or XIRR.

Gain percentage shows estimated growth as a share of total invested amount.

Worked examples

Follow realistic inputs through the calculation step by step.

1

Worked example

Monthly SIP example

  1. 1Monthly investment is 10,000.
  2. 2Expected annual return is 12%.
  3. 3Investment period is 10 years.
  4. 4Estimated future value is about 23.23 lakh.
2

Worked example

Step-up SIP example

  1. 1Monthly investment starts at 10,000.
  2. 2Annual step-up is 10%.
  3. 3The SIP amount increases once each year.
  4. 4The result compares fixed SIP with the stepped-up SIP outcome.
3

Worked example

Zero return example

  1. 1Monthly investment is 5,000.
  2. 2Expected annual return is 0%.
  3. 3Time period is 24 months.
  4. 4Future value equals total investment of 1,20,000.
4

Worked example

Compounding effect

  1. 1Each monthly contribution is added to the investment.
  2. 2Earlier contributions have more time to compound.
  3. 3Longer periods can increase estimated growth.
  4. 4Actual market returns can be higher or lower.
5

Worked example

SIP vs lump sum

  1. 1SIP spreads investment across months.
  2. 2Lump sum invests an amount upfront.
  3. 3Both depend on market performance and timing.
  4. 4This calculator models monthly SIP only.
6

Worked example

Goal planning example

  1. 1Enter the monthly SIP you can afford.
  2. 2Use a realistic expected annual return.
  3. 3Compare estimated maturity value with your target goal amount.
  4. 4Increase time period or use step-up if the estimate is below the goal.
7

Worked example

Inflation-aware SIP planning

  1. 1A goal that costs 10 lakh today may cost more in the future.
  2. 2A step-up SIP can help increase contributions as income rises.
  3. 3Use the result as a planning estimate, not a guaranteed corpus.

Common mistakes

Avoid these common input and interpretation errors.

Treating expected return as guaranteed

Market-linked investments do not provide guaranteed returns unless product terms explicitly say so.

Ignoring fees and taxes

Expense ratios, exit loads, taxes, and platform costs can reduce realized returns.

Using unrealistic return assumptions

A high expected return can make future value look much larger than realistic outcomes.

Confusing SIP with a product

SIP is an investment method, not a separate investment product.

Ignoring risk and time horizon

Investment choices should consider goals, risk tolerance, liquidity, and time horizon.

Forgetting inflation

A future goal may cost more than today's amount. Step-up SIPs can help, but they do not remove market risk.

Confusing gain percentage with CAGR or XIRR

Estimated gain on invested amount is a simple comparison. SIP cash flows need XIRR for realized investor return.

Assuming step-up will always be affordable

A yearly increase should match income, expenses, and emergency-fund planning.

Frequently asked questions

Quick answers to the questions users ask most often.

What does a SIP calculator estimate?
It estimates total investment, future value, and estimated returns for monthly investments.
What formula does this SIP calculator use?
It uses FV = P x [((1 + r)^n - 1) / r] x (1 + r), with r as monthly return.
Does this calculator support step-up SIP?
Yes. Enter an annual step-up percentage to increase the monthly SIP once every investment year.
Are SIP returns guaranteed?
No. SIP returns depend on the underlying investment and market performance.
What is monthly return rate?
It is the expected annual return divided by 12.
What is total investment?
It is monthly investment multiplied by the number of months.
What are estimated returns?
Estimated returns are future value minus total investment.
What is maturity multiple?
Maturity multiple is estimated future value divided by total invested amount.
What is estimated gain on invested amount?
It is estimated returns divided by total investment, multiplied by 100. It is not CAGR or XIRR.
Does this include fees or taxes?
No. Fees, taxes, and product-specific costs are not included.
Can I enter time in months?
Yes. Choose months as the time unit.
What happens at 0% return?
Future value equals monthly investment multiplied by the number of months.
What is the maximum period supported?
The calculator supports investment periods up to 60 years.
Is SIP better than lump sum?
Neither is always better. SIP spreads investments over time, while lump sum invests upfront.
Can I use this for goal planning?
Yes. Compare the estimated maturity amount with your target future goal, then adjust monthly SIP, period, return assumption, or step-up.
Does this calculate XIRR?
No. It estimates future value from assumed monthly compounding. XIRR is used for realized irregular cash flows.
Does this include inflation?
No. Consider inflation separately when planning education, retirement, or long-term goals.
When is step-up SIP useful?
Step-up SIP can be useful when income may rise over time and you want contributions to grow with future savings capacity.
Is this investment advice?
No. It is an educational calculator and not financial or investment advice.
Can actual returns be negative?
Yes. Market-linked investments can rise or fall, and actual results can be below invested amount.
Which related calculator should I use?
Use the Compound Interest Calculator for one-time investments and broader compounding scenarios.

References

Sources used to support the calculator guidance.

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Version history

A transparent record of calculator content updates.

Updated 2026-08-03
  • 1.1.0 · 2026-08-03

    Implemented annual step-up SIP, milestone and scenario tables, planning checklist, richer formula education, and goal-planning FAQs.

  • 1.0.0 · 2026-07-04

    Initial production release with fixed monthly SIP estimate, yearly growth summary, and investment disclaimer.