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SIP Calculator

Finance & Investment

Project the future value of monthly SIP investments.

Runs entirely in your browser — nothing is uploaded

GuideHow SIP returns are calculatedEach instalment compounds for a different length of time. The formula, a worked example, and why the total is so much larger than the sum of what you put in.

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Features

  • Future value of a monthly systematic investment plan.
  • Splits the result into money invested versus wealth gained.
  • Optional annual step-up to model rising contributions.
  • Year-by-year growth table.

How to use the SIP Calculator

  1. 1Enter your monthly investment, expected annual return and duration.
  2. 2Add an annual step-up percentage if your contribution grows.
  3. 3Compare invested capital against projected value.

Frequently asked questions

What return should I assume?

Long-run equity averages of 10–12% are a common planning assumption, but returns are never guaranteed. Model a pessimistic case too.

Does this assume the instalment is paid at the start or the end of the month?

At the start, which is what a mandate on the 1st actually does. It matters more than it sounds: every instalment earns one extra month of growth compared with the end-of-period assumption, and across a long horizon the gap is noticeable. A calculator that assumes end-of-month will show a slightly smaller figure for the same inputs.

Does the projection account for tax?

No, it shows the gross maturity value. Equity funds held beyond a year are taxed at 12.5% on long-term gains above 1.25 lakh in a financial year, so what you keep is less than the figure here. The Capital Gains Calculator will work out the tax on a particular redemption.

Why does a small change in the assumed return move the answer so much?

Because it compounds. Over twenty years, 12% rather than 10% is not 20% more money, it is closer to 50% more, since the extra applies to a base that is itself growing. That sensitivity is the reason to run any long projection a second time at a rate you would be disappointed by.