What is a SIP calculator?
SIP future value = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i), where P is the monthly investment, i is the monthly return (annual ÷ 12 ÷ 100) and n is the number of months. It assumes a constant return, which real markets never deliver, so treat the result as an estimate.
Features
- Monthly SIP or one-time lump sum
- Optional yearly step-up
- Invested vs gains split
How to use the SIP calculator
- Choose SIP or lump sum.
- Enter the amount and an assumed yearly return.
- Enter the number of years, and a step-up if you plan one.
Example
₹5,000 a month for 10 years at an assumed 12% a year: you invest ₹6,00,000, and the estimate is about ₹11.6 lakh. With a 10% yearly step-up the same start reaches roughly ₹17 lakh, because later instalments are larger.
Frequently asked questions
What return should I assume?
There is no right number. Use a conservative figure and compare a few. Past returns do not guarantee future returns.
Are taxes included?
No. Capital gains tax, expense ratios and exit loads reduce what you actually receive.
For estimation only. Not investment advice. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.
Last updated 15 November 2026. Made by Criza Labs. Spotted a mistake? Tell us.
