SIP Calculator
Project a monthly SIP with an optional 10% annual step-up and a starting lumpsum, in seconds.
Raising your SIP by 10% a year is the biggest single lever most investors have.
- Total invested
- ₹18,00,000.00
- Estimated gain
- ₹32,45,760.00
- Instalment at the end
- ₹10,000.00
- Years invested
- 15
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Year by year
| Year | Invested | Value | Gain |
|---|---|---|---|
| 1 | ₹1.20 lakh | ₹1.28 lakh | ₹8,093 |
| 2 | ₹2.40 lakh | ₹2.72 lakh | ₹32,432 |
| 3 | ₹3.60 lakh | ₹4.35 lakh | ₹75,076 |
| 4 | ₹4.80 lakh | ₹6.18 lakh | ₹1.38 lakh |
| 5 | ₹6.00 lakh | ₹8.25 lakh | ₹2.25 lakh |
| 6 | ₹7.20 lakh | ₹10.58 lakh | ₹3.38 lakh |
| 7 | ₹8.40 lakh | ₹13.20 lakh | ₹4.80 lakh |
| 8 | ₹9.60 lakh | ₹16.15 lakh | ₹6.55 lakh |
| 9 | ₹10.80 lakh | ₹19.48 lakh | ₹8.68 lakh |
| 10 | ₹12.00 lakh | ₹23.23 lakh | ₹11.23 lakh |
| 11 | ₹13.20 lakh | ₹27.46 lakh | ₹14.26 lakh |
| 12 | ₹14.40 lakh | ₹32.23 lakh | ₹17.83 lakh |
| 13 | ₹15.60 lakh | ₹37.59 lakh | ₹21.99 lakh |
| 14 | ₹16.80 lakh | ₹43.64 lakh | ₹26.84 lakh |
| 15 | ₹18.00 lakh | ₹50.46 lakh | ₹32.46 lakh |
| Instalment timing | Start of each month |
|---|---|
| Compounding | Monthly, at return ÷ 12 |
| Step-up applied | Each year (+0%) |
| Expected return | 12% a year |
- The expected return is compounded at a steady monthly rate. Real funds move up and down, so a bad decade would end well below this figure and a good one above it.
- Expense ratio, exit load and taxes are not deducted. Type in a net-of-expense figure, and remember redemptions are taxed per instalment.
- The step-up is applied on each anniversary of the first instalment, and the projection stops at the end of the period you chose.
Pro is coming
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- Downloadable PDF report of any result
- Saved history you can reopen later
- CSV export for your own records
About the sip calculator
A SIP calculator is really answering one question: if I keep investing this much every month, what does it turn into? The inputs are simple — an amount, a number of years and an expected annual return — but the output is usually surprising, because most of the final corpus comes from compounding rather than from what you paid in.
The calculator here also models a step-up, where you raise your SIP amount once a year. A 10% annual step-up is the single highest-leverage change most people can make: it roughly doubles the final corpus over a long horizon without doubling the monthly outgo.
Returns are compounded monthly, which is how fund houses quote SIP projections. Real returns will vary because markets do not deliver a steady percentage every month — treat the expected return as a planning assumption, not a promise.
Frequently asked questions
How does a step-up SIP improve returns?
Raising your SIP by 10% a year means your monthly investment roughly doubles every seven years. Because the extra money is invested earlier than a one-time jump would be, it compounds for longer, so the final corpus can be 60–100% larger over 20 years for the same starting amount.
What return should I assume for a SIP?
For an Indian equity fund many planners use 10–12% nominal over a long period, and 6–7% for a debt fund. Nothing guarantees either figure. Running the same SIP at 8% and at 12% side by side is a more honest way to plan than picking one number.
Is a SIP better than a lumpsum?
They solve different problems. A lumpsum invests everything at today's price, so it wins in a rising market and loses in a falling one. A SIP spreads your entry price across many months, which lowers timing risk — that is why most salaried investors use it. If you have both a lump sum and monthly income, the calculator lets you model them together.
Is SIP gain taxable?
Yes. Each SIP instalment is a separate purchase, so gains are taxed per instalment when you redeem. For equity funds, redemptions held over 12 months attract long-term capital gains tax of 12.5% above the ₹1.25 lakh annual exemption, and shorter holdings are taxed at 20%.
Does the calculator account for expense ratio?
No. The expected return you type in should be a net-of-expense figure, since a fund's expense ratio is deducted from its NAV every day before you ever see a return.
Disclaimer
These calculators are for estimates and general information only. They are not financial, investment, tax or legal advice, and they do not replace a chartered accountant, a financial adviser or the official rules. Rates, slabs and thresholds change — verify anything important against the source before acting on it.
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