SIP Calculator

Calculator Tools

Future value of monthly SIP investments

FreePrivateInstant
Monthly investment (₹)
Expected return (% per year)
Time period (years)
Yearly step-up (%)
Full guide, 5 min read₹5,000 a month for 20 years: what a SIP calculator can and cannot tell youRead the story behind this tool →
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History

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SIP Calculator — at a glance

See how small monthly investments can grow over time thanks to compounding.

Plan
₹5,000 / month
12% • 10 years
Calculate
Value
≈ ₹11.6 lakh

How to use it — step by step

Monthly amount, expected yearly return and number of years. Optionally add a yearly step-up.

1

Enter your numbers

Fill in the fields — sensible example values are already filled in.

2

Pick your options

Choose any dropdowns or switches that apply to your case.

3

Calculate SIP

Press the button. The result is created instantly on your device.

4

Read the answer

The main answer is shown big at the top, with details below it.

Pro tips

Small things that make the result better.

✦Starting early matters more than investing a large amount later.
✦A 10% yearly step-up can grow your corpus dramatically.
✦Use a conservative return estimate for planning.

Quick facts

Compoundingmonthly
Step-upyearly increase option
60 yearsmax horizon
Freeno signup

Frequently Asked Questions

What is a SIP?+

A systematic investment plan invests a fixed amount at regular intervals, usually monthly, in a mutual fund.

Are the results guaranteed?+

No. Returns depend on the market. This is only an estimate based on the rate you enter.

What is step-up SIP?+

You raise your monthly investment by a fixed percentage every year.

Is this tool really free?+

Yes — completely free, no signup, no watermark and no usage limit.

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