SIP Calculator
Estimate the future value of your monthly SIP or a one-time (lumpsum) investment, with the amount invested and estimated returns shown.
This is an estimate. Mutual fund returns are market-linked and not guaranteed — the actual value can be higher or lower. Not investment advice.
Estimate your returns in 3 steps
Pick 'Monthly SIP' or 'One-time (Lumpsum)', then enter the amount using the box or slider.
Choose an expected annual return (say 12%) and how many years you'll stay invested.
Instantly see the estimated future value, how much you invested, and your estimated returns.
Where this calculator helps
Work out how much a monthly SIP could grow to for a goal like a car, a home down-payment or retirement.
See how investing monthly compares with putting in a one-time amount over the same period.
Check how increasing your SIP a little every year (as your income grows) boosts the final amount.
Reverse-plan by trying different monthly amounts until the future value matches your goal.
Benefits
- Handles both monthly SIP and one-time lumpsum investments.
- Shows the split between what you invested and your estimated returns.
- Includes an optional step-up SIP to model a yearly increase in your contribution.
- Runs entirely in your browser — nothing you enter is uploaded or stored.
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Important note
This tool provides an estimate based on the values you enter. Actual loan, tax, salary or investment results can differ. Verify important financial decisions with the relevant lender, employer, tax rules or qualified professional.
Frequently asked questions
What is the full form of SIP?
SIP stands for Systematic Investment Plan — a way of investing a fixed amount in a mutual fund every month instead of putting in a lump sum. Because you buy at different prices each month, the cost averages out over time.
What is a SIP?
A SIP (Systematic Investment Plan) is a way of investing a fixed amount in a mutual fund at regular intervals, usually every month. It builds the habit of investing and, over long periods, benefits from compounding and rupee-cost averaging.
What does monthly SIP mean?
A monthly SIP means a fixed amount is invested in your chosen mutual fund automatically every month — for example, ₹5,000 on a set date each month. It spreads your investment across time (rupee-cost averaging) instead of putting in a lump sum at once.
What does SIP amount mean?
The 'SIP amount' is simply the fixed sum you invest in a mutual fund each interval — usually every month. For example, a ₹5,000 monthly SIP means ₹5,000 is invested automatically each month. In this calculator it's the monthly amount you enter; the tool then projects how that regular amount could grow over your chosen period.
How is SIP future value calculated?
This calculator assumes your monthly amount earns a steady expected return, compounded monthly, with each instalment invested at the start of the month. The future value is the total of all instalments plus the returns they earn until the end of the period.
What return should I assume?
Returns are not fixed — they depend on the fund and the market. Many people use a long-term assumption of around 10–12% per year for equity funds as a rough guide, but you should adjust it to be realistic. Past performance does not guarantee future returns.
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly investment by a set percentage every year — for example 10% — usually to match your rising income. Even a small step-up can significantly increase the final amount over long periods.
Is the result guaranteed?
No. Mutual fund investments are subject to market risks and returns are never guaranteed. This calculator gives an estimate based on the return you assume, so the actual value can be higher or lower. It is not investment advice.
Is this SIP calculator free?
Yes, it's completely free with no sign-up, and everything is calculated in your browser so your figures stay private.
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