SIP Calculator

See how a monthly investment (SIP) can grow over the years with compounding. Add a yearly step-up if you plan to invest more as your income grows.

Your plan

Monthly investment (₹) Expected return (% per year) Time period (years) Yearly step-up (% increase each year, optional)

Estimated value

Total value after 10 years–

You invest: –
Estimated gain: –
Total value: –

Returns are not guaranteed. Mutual fund investments are subject to market risks; this is an illustration only, not financial advice.

Year-by-year growth

Year	Monthly SIP	Invested so far	Value

How SIP returns are calculated

Each monthly instalment grows with monthly compounding at the expected yearly rate ÷ 12. The value of a SIP of P for n months at monthly rate i is P × ((1 + i)ⁿ − 1) ÷ i × (1 + i). With a step-up, the instalment increases by the chosen percentage at the start of every year. Actual fund returns go up and down; past performance doesn't guarantee future returns.