SIP Calculator
Maturity Value
11,61,695
Total Invested
6,00,000
Wealth Gained
5,61,695
93.6% return on invested
Corpus Breakdown
Invested 6,00,000 Gains 5,61,695
Year
Invested
Gains
Corpus
1
60,000
4,047
64,047
2
1,20,000
16,216
1,36,216
3
1,80,000
37,538
2,17,538
4
2,40,000
69,174
3,09,174
5
3,00,000
1,12,432
4,12,432
6
3,60,000
1,68,785
5,28,785
7
4,20,000
2,39,895
6,59,895
8
4,80,000
3,27,633
8,07,633
9
5,40,000
4,34,108
9,74,108
10
6,00,000
5,61,695
11,61,695
About
The SIP Calculator helps you estimate the maturity value of a Systematic Investment Plan over any investment horizon. It uses the standard future value of annuity formula to compute the corpus you will accumulate by investing a fixed amount every month at a given expected annual return. The optional step-up feature lets you model annual increases in your SIP amount, reflecting salary hikes and growing investment capacity. All calculations run entirely in your browser — no data is sent anywhere.
How to use
- 1 Enter your monthly SIP amount (the fixed sum you invest every month).
- 2 Set the expected annual return rate — equity mutual funds historically average 10–14%.
- 3 Choose the investment duration in years.
- 4 Optionally enable the annual step-up percentage to model increasing contributions.
- 5 Results show total invested, estimated returns, and final maturity value instantly.
- What is a SIP and how does it differ from a lump-sum investment?
- A Systematic Investment Plan (SIP) means investing a fixed amount at regular intervals (usually monthly) into a mutual fund, regardless of market conditions. A lump-sum investment is a one-time large amount. SIPs benefit from rupee-cost averaging — you buy more units when prices are low and fewer when prices are high — reducing the risk of investing at a market peak.
- What return rate should I use for my SIP calculation?
- For equity mutual funds in India, a long-term expected return of 10–12% per annum is commonly used as a conservative estimate, based on historical NIFTY 50 returns. For debt funds, 6–7% is more appropriate. For international equity funds, 8–10% is reasonable. These are estimates — actual returns depend on fund performance, market conditions, and the time period.
- What is a step-up SIP and why does it matter?
- A step-up SIP increases your monthly contribution by a fixed percentage each year, mirroring typical salary growth. For example, starting at ₹10,000/month and stepping up 10% annually means contributing ₹11,000 in year 2, ₹12,100 in year 3, and so on. Over a 20-year horizon, a step-up SIP can build a corpus 60–80% larger than a flat SIP at the same initial amount.