SIP Calculator
A Systematic Investment Plan (SIP) invests a fixed amount every month. Estimate what your SIP could grow to, and see how a yearly step-up in the instalment changes the outcome.
SIP details
Your result
Growth year by year
Year-wise growth
How SIP returns are calculated
- P – monthly instalment
- i – monthly rate = expected annual return ÷ 12 ÷ 100
- n – number of instalments
Example: ₹5,000 a month at 12% for 10 years grows to about ₹11,61,695 on ₹6,00,000 invested. With a step-up, the instalment rises by the chosen percentage at the start of each new year.
Frequently asked questions
Are SIP returns guaranteed?
No. Mutual fund returns depend on the market and vary from year to year. Use a conservative expected return and review your plan regularly.
What return should I assume?
That depends on the fund type and your horizon. Look at long-term category averages and the fund’s factsheet rather than recent one-year returns.
Does this account for tax and expense ratio?
No. Enter a return that is already net of the fund’s expense ratio, and remember that capital gains tax may apply on redemption.