SIP Calculator
See how regular monthly investments could grow. Explore annual step-ups, account for inflation, and download your plan as a PDF.
Illustration only. Actual investment returns vary and may be negative. Taxes, fees and exchange-rate changes are not included.
Yearly investment breakdown
| Year | Invested that year | Total invested | Projected value | Today's value |
|---|
SIP calculator for monthly investment planning
A systematic investment plan, or SIP, means investing money at regular intervals. In India, the term is commonly used for regular mutual fund investments. Elsewhere, you may call this a monthly investment plan or recurring contribution. This calculator estimates how a series of monthly investments could grow under your chosen assumptions.
Choose your currency, enter a monthly amount, set the number of years and try an annual return. You can also increase your contributions each year and estimate what the final amount could buy after inflation. A currency choice changes the labels and formatting; it does not convert money between currencies.
How to use the SIP calculator
- Choose currency and number format. Use million/billion notation or Indian lakh/crore notation. The amount also appears in English words as you type.
- Enter your monthly investment. This is the starting amount you plan to contribute each month.
- Set your investment period and return assumption. Try more than one rate to understand how sensitive your plan is to future returns.
- Adjust the optional settings. Add an annual contribution increase, choose an inflation rate, and set payment timing.
- Review and download. Compare contributions with the projected value, inspect each year, and download a PDF containing your inputs, chart and full yearly table.
How SIP returns are calculated
For a fixed monthly contribution paid at the end of each month, the formula is:
Beginning-of-month contributions: multiply the result by (1 + i).
At a 0% return: FV = P × n.
P is your monthly contribution, i is the monthly return rate and n is the total number of monthly contributions. The default convention uses i = annual rate ÷ 12, with the annual percentage first divided by 100. The effective annual option instead uses i = (1 + annual rate)1/12 − 1.
For example, entering 12% under the default convention gives a 1% monthly rate, equivalent to about 12.68% compounded over a full year. Selecting an effective annual return of 12% gives a monthly rate of about 0.9489%. Neither setting predicts a fund's actual monthly performance.
With an annual step-up, each year's monthly contribution is P × (1 + step-up rate)year − 1. The calculator processes each monthly payment separately, so the chart and table reflect the increasing contributions. It uses unrounded values internally and rounds displayed amounts.
A simple monthly investment example
Suppose you invest 500 each month for 10 years, assume a 6% annual rate divided by 12, pay at the end of each month, and make no annual contribution increases.
| Total contributions | 60,000 |
|---|---|
| Estimated final value | 81,940 |
| Estimated gain | 21,940 |
| Today's value at 3% annual inflation | 60,971 |
These numbers are an illustration, not an expected outcome for a particular investment. With a beginning-of-month payment, each contribution has one additional month to grow under this model.
What do the results mean?
- Total invested: all your monthly contributions, including any step-ups.
- Estimated gain or loss: the projected final value minus your total contributions.
- Estimated future value: the modeled investment balance at the end of the period.
- Value in today's money: future value divided by (1 + annual inflation rate)years. This estimates purchasing power; it is not another withdrawal amount.
- Monthly SIP in the final year: the contribution you would need to maintain after all annual increases.
Inflation-adjusted value and total nominal contributions are different measures. Do not subtract nominal contributions from today's value to calculate a real investment profit.
Plan with realistic assumptions
A SIP spreads contributions over time, but does not guarantee a profit or protect against a market fall. A smooth growth line is a mathematical illustration: real investments fluctuate. Taxes, fund expenses, transaction fees and exchange-rate movements can affect the amount you keep.
Consider a lower-return scenario as well as your main estimate. Check whether an annual step-up would remain affordable. When using a historical CAGR as your assumption, choose the effective annual convention and remember that past performance does not establish a future return.
For further reading, see the Investor.gov compound interest calculator and SEBI's explanation of SIP and step-up contributions. This tool provides educational estimates, not personalized investment advice.
FAQ on SIP Calculator
There is no upper limit. The minimum investment usually starts at ₹500/month, depending on the mutual fund.
There’s no fixed limit. You can choose any tenure—3 year, 5 years, 10 years, or more—based on your financial goals.
Yes. Most mutual fund platforms allow you to:
- Increase or decrease the SIP amount
- Pause investments temporarily
- Renew the SIP after completion
No. SIPs are available for:
- Equity funds
- Debt funds
- Hybrid funds
- ELSS (tax-saving mutual funds)
No. A SIP is a method of investing in mutual funds. Mutual funds can be invested in either through SIPs or lump-sum investments.
Your final value equals the sum of your contributions. If step-up is enabled, that sum includes the higher contributions in later years.
The first 12 payments use your starting monthly amount. The increase begins with payment 13 and repeats after each following 12 payments.
Start Planning Your SIP Today:
Investing through SIPs is one of the most effective ways to build long-term wealth. Use our SIP Calculator to take the guesswork out of planning and stay focused on your financial goals.