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SIP Calculator

Estimate the future value of your monthly mutual fund investments with optional annual step-up.

Private Calculation Browser-Based No Data Stored
SIP Calculator
Project future value and wealth accumulation via Systematic Investment Plans.
₹
%
Years
%

How it's calculated

Formula
A = P × ({[1 + i]^n - 1} / i) × (1 + i)

Where:

  • ATotal Maturity Amount
  • PMonthly Investment Amount
  • iMonthly Interest Rate (Annual Rate / 12 / 100)
  • nNumber of months
Example Calculation

Inputs:

SIP = ₹5,000, Rate = 12%, Time = 10 Yrs

Result:

Value = ~₹1,161,695

Investing ₹5,000/mo at 12% for 10 years results in a total investment of ₹600,000, growing to ~₹1,161,695 due to compound interest.

Frequently Asked Questions

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How does this calculator work?

This calculator helps you estimate the wealth you can create through Systematic Investment Plans (SIP). It uses the monthly compounding formula to calculate the maturity value of your investments.

Standard SIP: Assumes a fixed monthly investment for the entire duration.

Step-Up SIP: Allows you to account for yearly salary hikes by increasing your investment amount by a fixed percentage annually. This is a powerful way to reach your financial goals faster.

Disclaimer: Mutual fund investments are subject to market risks. The expected return is an estimate and not guaranteed.