SIP Calculator

Project SIP maturity value with optional annual step-up in contributions.

—Invested
—Est. returns
—Maturity value

SIP = Systematic Investment Plan — contributions compound monthly at the equivalent monthly rate. Step-up raises your contribution each year. Returns are estimates, not guaranteed.

Help Us Improve
4.9 (0)

How to use SIP Calculator

Three quick steps — no sign-up needed

  1. Step 1

    Enter monthly investment and return

    Add SIP amount (₹) and expected return (% p.a.).

  2. Step 2

    Set years and optional step-up

    Choose time period and annual step-up percent if you increase SIP yearly.

  3. Step 3

    Read projected maturity

    See estimated value of the SIP under your assumptions.

Related Financial tools

View all
Break-even Calculator Find how many units you must sell to cover fixed and variable costs. Cash Calculator Count cash by denomination and total the drawer instantly. Compound Interest Calculator Project savings growth with compound interest and optional monthly contributions. Credit Card Eligibility Calculator Get an indicative credit card eligibility and limit estimate from income and score inputs. Credit Card Validator Validate card number structure with the Luhn algorithm. Currency Converter Convert amounts between currencies with editable exchange rates. Discount Calculator Calculate sale price and savings from an original price and discount percent. FD Interest Calculator Calculate fixed deposit maturity amount and interest with compounding options.

About SIP Calculator

SIP Calculator projects the maturity value of a monthly systematic investment plan using expected return, tenure, and optional annual step-up. Investors searching "SIP calculator", "mutual fund SIP returns", or "SIP step-up calculator" want a contribution-based growth estimate.

Enter monthly investment (₹), expected return (% p.a.), years, and step-up per year (%). Step-up models increasing contributions as income grows.

Mutual fund returns are not fixed. Use conservative assumptions and remember costs and taxes. Educational projection - not a scheme performance guarantee or investment advice.

Benefits of SIP Calculator

Monthly SIP modelling Built for regular investments.
Step-up support Plan rising contributions over time.
Long-horizon view See compounding on repeated deposits.
Goal feasibility checks Test whether the SIP size matches a target.

Frequently asked questions

What is SIP step-up?

An annual increase in the monthly investment amount.

Which return rate is realistic?

Depends on asset allocation - avoid unrealistically high fixed rates.

Does this include expense ratio?

Enter a net return assumption if you want to approximate costs.

Are SIP returns guaranteed?

No - market-linked outcomes vary.

Is this a fund picker?

No - pure maths on the inputs you provide.