SIP Calculator
Estimate the maturity value of a mutual fund SIP. Enter your monthly investment, expected return and tenure to see how much you invest, your estimated returns and the total value — with an optional annual step-up.
Year-by-year growth
| Year | Invested | Value | Returns |
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How SIP returns are calculated
A SIP (Systematic Investment Plan) invests a fixed amount every month, and each instalment earns compounding returns until maturity. The future value uses the formula FV = P × [((1+i)n − 1) ÷ i] × (1+i), where P is the monthly amount, i is the monthly return (annual rate ÷ 12 ÷ 100) and n is the number of months. Because earlier instalments compound for longer, the returns grow faster the longer you stay invested.
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly investment by a fixed percentage each year — useful as your income grows. Set the annual step-up above to see how even a small yearly increase can significantly raise your maturity value. The return rate is an assumption, not a guarantee; actual mutual fund returns vary with the market.
Frequently asked questions
How are SIP returns calculated?
Each monthly instalment is compounded at the expected rate until the end of the tenure, then summed. This calculator applies the standard SIP future-value formula instantly.
How do I calculate a step-up SIP?
Enter an annual step-up percentage. Your monthly amount rises by that percentage every year, and the calculator compounds each year's instalments accordingly.
Is the expected return guaranteed?
No. Mutual fund returns depend on market performance. The rate you enter is an assumption for estimation only; actual results will differ.
Is my data stored anywhere?
No. The calculation runs entirely in your browser; nothing you enter is uploaded or stored.