SIP & step-up SIP calculator
See what your monthly SIP could grow into
A systematic investment plan calculator for regular monthly investing. Set your SIP tenure, let your money keep compounding until maturity, and optionally add a yearly step-up.
Your SIP details
How much you plan to invest every month through your SIP.
≈ ₹5 Thousand
Estimated yearly growth rate of the mutual fund, compounded monthly.
The number of years you'll actively contribute to your SIP.
Total years your money stays invested, including time after your SIP contributions stop. Can't be less than your SIP tenure.
Estimated maturity value
₹11,61,695
≈ ₹11.62 Lakh
Invested amount
₹6,00,000
Estimated returns
₹5,61,695
This SIP calculator assumes monthly compounding at a constant expected rate of return. Actual mutual fund returns vary with market performance and are not guaranteed.
How it's calculated
The formula behind this SIP return calculator
Each monthly SIP installment is assumed to be invested at the start of the month and compounds every month after that at your expected annual rate of return, divided into a monthly rate. This mirrors how most systematic investment plan calculators and mutual fund SIP calculators project growth.
If you set a maturity tenure longer than your SIP tenure, the calculator stops adding new contributions once your SIP tenure ends, but keeps compounding the accumulated corpus for the remaining years — showing what your money could grow to if you let it stay invested rather than withdrawing it as soon as you stop contributing.
Turning on the annual step-up increases your monthly contribution by the percentage you choose at the start of every new year of your SIP tenure — a simple way to model a step up SIP calculator where your investment grows in step with your income.
SIP calculator FAQ
Questions about SIP investing
A SIP calculator (Systematic Investment Plan calculator) estimates the maturity value of your monthly mutual fund investments based on the amount you invest, an expected annual rate of return, and your investment tenure. It uses compounding to project how small, regular investments can grow over time, so you can plan your SIP investment plan before you start investing.
Enter your monthly SIP amount, an expected annual return rate, how long you plan to keep contributing (SIP tenure), and the total time you want to stay invested (maturity tenure). The calculator compounds each monthly contribution at your expected rate, and if your maturity tenure is longer than your SIP tenure, it lets the accumulated corpus continue compounding after your contributions stop — giving you a more realistic systematic investment plan calculator result than a simple one-tenure estimate.
A step-up SIP (also called a top-up SIP) is a SIP where you increase your monthly investment amount by a fixed percentage every year, usually in line with rising income. A step up SIP calculator like this one lets you model that annual increase, so you can see how gradually investing more each year — rather than a flat monthly amount — changes your final corpus.
Yes. Your SIP tenure is how long you actively invest every month. Your maturity tenure is the total time your money stays invested, including any time after your SIP contributions stop. Maturity tenure can be equal to or longer than your SIP tenure — for example, you might invest monthly for 10 years and let the corpus stay invested for 20, letting compounding work for longer without adding more money.
No. This SIP investment plan calculator gives an estimate based on the expected annual return rate you enter — it is not a promise of actual returns. Mutual fund returns depend on market performance and are never guaranteed. Use this tool for planning and comparison, and read scheme documents carefully before investing.