SIP Calculator
Calculate Systematic Investment Plan returns with monthly contributions, step-up increments, and inflation adjustment
SIP Investment Details
Increase your monthly SIP by this percentage every year (0 for fixed SIP)
Quick Scenarios
SIP Projection Results
Investment Summary
Corpus Composition
Year-by-Year Growth
| Year | SIP Amount (Year) | Invested | Returns | Closing Balance |
|---|
How we calculated this
Year-by-Year Growth
What if?
Each row recalculates with your current inputs. Tap a row to apply it.
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Enter your SIP details to project returns
Fill in your monthly amount, expected return, and period above
Check a monthly investment projection
With no initial lump sum, 500 invested each month, 0% return and no step-up, one year ends at 6,000. A 10% step-up makes the second year’s monthly contribution 550; after two zero-return years the total is 12,600.
Contributions arrive at the start of each month. The entered annual rate is nominal: monthly growth = annual rate ÷ 12. At 12% nominal, the effective annual rate is (1 + 0.12/12)^12 − 1 = 12.68%. This is the assumed growth rate, not a measured portfolio return. A 0% inflation input leaves the future value unchanged.
Use one currency consistently. Returns are a constant hypothetical input, not a forecast. Taxes, fund fees and market losses are outside this model; the annual step-up starts with the second year.
Authoritative sources and references
The official standards, guidelines, and research behind this calculator's methodology.
SIP Calculator FAQ
What is a SIP (Systematic Investment Plan)?
A SIP is a method of investing a fixed amount at regular intervals (usually monthly) into a mutual fund or other investment. It averages your purchase cost over time, benefits from compounding, and removes the need to time the market.
How is the SIP future value calculated?
The calculator simulates your investment month by month: each contribution is added at the start of the month and the whole balance earns 1/12 of the annual return every month. This matches the standard annuity-due formula FV = P × [((1+i)^n − 1)/i] × (1+i).
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly contribution by a fixed percentage every year, typically matching salary growth. For example, with a 10% step-up, a $500 monthly SIP becomes $550 in year two, $605 in year three, and so on — significantly increasing your final corpus.
What return rate should I use?
Historically, diversified equity mutual funds have returned roughly 10-12% annually over long periods, while debt funds return less. Use a conservative estimate: your actual returns will vary year to year, and projections are not guarantees.
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