SIP Calculator
Estimate the future value of a systematic investment plan (SIP) with step-up.
Enter your values to see the result.
Results are estimates for planning only. Actual figures depend on your lender or bank, fees, rounding and the exact dates used, so confirm the numbers before you sign anything.
Continue your work
- Investment Calculator — Model a lump sum plus contributions.
- Inflation Calculator — See the future value in today’s money.
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Clear instructions
Find steps, examples and limitations below.
Use online
Open the tool in a supported web browser.
Free to use
No sign-up required. Tool-specific limits may apply.
How to use the SIP Calculator
Estimate the future value of a systematic investment plan (SIP) with step-up.
- 1 Enter your monthly SIP amount.
- 2 Enter the expected yearly return, the period and an optional step-up.
- 3 Read the estimated value, amount invested and returns.
Example and practical tips
A SIP of 10,000 a month at 12% for 15 years is estimated at about 50 lakh, of which 18 lakh is invested.
Frequently asked questions
What is a step-up SIP?
A SIP whose monthly amount rises each year, for example by 10%, usually in line with income.
Are SIP returns guaranteed?
No. Mutual fund returns depend on the market.
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