SIP Calculator
See what a monthly mutual fund SIP could grow into.
Your files stay on your device
Estimated value
-
- You invest
- -
- Estimated returns
- -
Year by year
| Year | Invested | Returns | Value |
|---|
How to use SIP Calculator
- Enter how much you plan to invest each month.
- Set the return you expect each year. Twelve percent is a common long-term assumption for equity funds, but it is an assumption.
- Choose how many years you will keep investing.
- Add a yearly step-up if you plan to raise the instalment as your income grows.
- Read the projected value, then open the year-by-year table to see the returns overtake what you put in.
How the projection works
Each instalment is added at the start of its month and then earns a return for every month after, which is why a SIP started a year earlier ends up so far ahead. The tool steps through the months one at a time, so the year-by-year table always matches the headline figure.
The monthly rate is the yearly return divided by twelve. A 12% expectation becomes 1% a month compounded, which works out slightly above 12% a year.
A worked example
₹10,000 a month for 10 years at 12% gives ₹12,00,000 invested and roughly ₹23.2 lakh at the end, so about ₹11.2 lakh of that is return. Turn on a 10% yearly step-up, raising the instalment as your income grows, and the same 10 years puts in far more and finishes considerably higher.
Stretch the plain ₹10,000 SIP to 20 years instead of 10 and the invested amount only doubles, while the final value grows several times over. Time matters more than the instalment.
Limits worth knowing
- The return you type is an assumption, not a promise. Equity markets do not deliver a steady 12% a year. They deliver a bumpy average, and the order of good and bad years changes the outcome.
- Nothing here accounts for expense ratios, exit loads, or capital gains tax on redemption. Your real return will be lower than the gross figure shown.
- Inflation is not deducted. ₹23 lakh in ten years buys noticeably less than ₹23 lakh today. Run the sum again with the return reduced by your inflation estimate to see it in today's money.
- This is arithmetic, not investment advice. See the disclaimer.
Frequently asked questions
How is a SIP projection calculated?
Each instalment is added at the start of its month and then compounds for every month after. The tool steps through the months one at a time, so the year-by-year table matches the headline figure exactly, step-up included.
Is a 12% return realistic?
It is a fair long-run average for Indian equity funds, but no single year looks like the average. Run the numbers again at 8% and at 15% to see the range you should plan around.
Does this account for expenses and tax?
No, the figure is a gross projection. Your fund charges an expense ratio every year, there may be an exit load if you redeem early, and capital gains tax applies when you sell.
What does the step-up option do?
It raises your monthly instalment by the percentage you choose at the end of every year. Starting at Rs 10,000 with a 10% step-up means Rs 11,000 a month in year two and Rs 12,100 in year three.
Should I invest a lump sum instead?
A lump sum invested at the right moment beats a SIP, and one invested at the wrong moment does not. A SIP spreads your entry price over many months, so you do not have to be right about timing.
Is this investment advice?
No. It is arithmetic based on numbers you typed, and it knows nothing about your goals, your other savings or how you would handle a bad year. Speak to a registered adviser before committing money.