How is the SIP value calculated?

Each monthly instalment is invested at the start of the month and grows at the monthly rate (annual return ÷ 12). ₹10,000 a month at 12% for 10 years invests ₹12 lakh and grows to about ₹23.2 lakh.

What is a step-up SIP?

A SIP whose instalment increases by a fixed percentage every year, usually in line with salary growth. Even a 10% step-up significantly increases the final value.

Are these returns guaranteed?

No. Mutual fund returns depend on markets and vary year to year. The calculator assumes a constant return to give an estimate; it is not investment advice.

SIP Calculator

Small amounts.
Compounding returns.

Monthly investment

₹

Expected return (per year)

Time period

years

Annual step-up (optional)

Estimated value: ₹23,23,391
Invested: ₹12,00,000
Estimated returns: ₹11,23,391

Invested · 52%Returns · 48%

Year	Invested	Value
1	₹1,20,000	₹1,28,093
2	₹2,40,000	₹2,72,432
3	₹3,60,000	₹4,35,076
4	₹4,80,000	₹6,18,348
5	₹6,00,000	₹8,24,864
6	₹7,20,000	₹10,57,570
7	₹8,40,000	₹13,19,790
8	₹9,60,000	₹16,15,266
9	₹10,80,000	₹19,48,215
10	₹12,00,000	₹23,23,391

Estimates assume a constant return compounded monthly. Market-linked returns vary and are not guaranteed; this is not investment advice.

Enter your monthly SIP amount, expected annual return and time period to see the estimated value, total invested and estimated returns. Add an annual step-up to model increasing your SIP each year, or switch to Lump sum.

How to calculate SIP returns

Enter the monthly investment.
Enter the expected annual return (e.g. 12%).
Set the time period in years and, optionally, a yearly step-up.
Read the estimated value and the year-by-year growth.

What a monthly SIP can grow to at 12% a year

Illustrative only — assumes a constant 12% annual return; real returns vary.
Monthly SIP	5 years	10 years	15 years	20 years
₹5,000	₹4,12,432	₹11,61,695	₹25,22,880	₹49,95,740
₹10,000	₹8,24,864	₹23,23,391	₹50,45,760	₹99,91,479
₹25,000	₹20,62,159	₹58,08,477	₹1,26,14,400	₹2,49,78,698

SIP vs lump sum

A SIP invests the same amount every month, so you buy more units when prices are low and fewer when high (rupee-cost averaging). A lump sum invests everything at once — it can grow more if markets rise steadily, but carries more timing risk. Switch between the two above to compare.

Frequently asked questions

How is the SIP value calculated?: Each monthly instalment is invested at the start of the month and grows at the monthly rate (annual return ÷ 12). ₹10,000 a month at 12% for 10 years invests ₹12 lakh and grows to about ₹23.2 lakh.
What is a step-up SIP?: A SIP whose instalment increases by a fixed percentage every year, usually in line with salary growth. Even a 10% step-up significantly increases the final value.
Are these returns guaranteed?: No. Mutual fund returns depend on markets and vary year to year. The calculator assumes a constant return to give an estimate; it is not investment advice.