How this SIP calculator works
A Systematic Investment Plan (SIP) invests a fixed amount in a mutual fund every month. Because you buy regularly, you buy more units when prices are low and fewer when they are high, and each instalment starts earning from the day it goes in.
Value = P × [((1 + i)n − 1) ÷ i] × (1 + i)P is the monthly amount, i is the monthly rate (the yearly rate divided by 12 and by 100) and n is the number of months. The calculator assumes each instalment is made at the start of the month and the return stays constant. With a yearly step-up, your monthly amount rises by the percentage you choose at the end of every year.
Using the result sensibly
- Treat the return rate as a scenario. Mutual fund returns are not guaranteed and can be negative in some periods. Try a few rates, such as 8%, 10% and 12%, to see a range.
- Time matters most. Compare 10 and 20 years with the same monthly amount to see how much compounding adds in the later years.
- Step-up helps. Raising your SIP as your income grows is one of the simplest ways to reach a bigger goal.
Results are before taxes, exit loads and expense ratio effects beyond what is reflected in your assumed return. Mutual fund investments are subject to market risks.
Frequently asked questions
What is a SIP?
A SIP is a way of investing a fixed amount in a mutual fund at regular intervals, usually monthly, instead of investing a large sum at once.
Are SIP returns guaranteed?
No. Mutual fund returns depend on markets and can be lower or higher than any rate you enter here. The calculator shows what would happen if the return you assume stayed constant.
What does the yearly step-up do?
It increases your monthly SIP by a set percentage every year, for example 10%, so your investment keeps pace with your income.
Does the result include tax?
No. Capital gains tax and other costs are not deducted, so your post-tax outcome will be lower.
Last reviewed October 15, 2026. Results are estimates.