SIP calculator
Estimate how much your monthly SIP or one-time lumpsum investment could grow to. Add an annual step-up to see the power of increasing your SIP every year.
- Runs in your browser – private
- Instant results
- Free forever, no sign-up
How to use the SIP Calculator
- 1
Choose SIP (monthly) or Lumpsum.
- 2
Enter the amount, expected annual return, time period and optional step-up %.
- 3
See the invested amount, estimated returns and total value.
How SIP returns are calculated
A SIP (systematic investment plan) invests a fixed amount every month. Each instalment compounds for the remaining months, which is why starting early matters so much. The calculator compounds monthly at your expected annual return:
i = annual return ÷ 12 · n = number of months
With a step-up, the monthly amount increases by your chosen percentage every 12 months.
SIP vs lumpsum
A lumpsum invests everything at once and benefits fully if markets rise. A SIP spreads investments over time (rupee cost averaging), reducing the risk of investing everything at a market peak and building a saving habit.
Important
Mutual fund investments are subject to market risks. This calculator assumes a constant return for illustration; actual returns vary year to year and are not guaranteed. This is not investment advice – consider speaking with a SEBI-registered adviser. For loans, use the EMI calculator.
Frequently asked questions
How does a SIP calculator work?
It compounds each monthly instalment at the expected return for the months it stays invested and adds them up to estimate the maturity value.
What is a step-up SIP?
A step-up (top-up) SIP increases your monthly investment by a fixed percentage every year, usually in line with salary growth.
What return should I assume?
That depends on the fund type and is never guaranteed. Many people test a few scenarios (for example 8%, 10% and 12%) to see a range of outcomes.
Is SIP better than lumpsum?
Neither is always better. SIPs suit regular income and reduce timing risk; lumpsum can do better in rising markets.
Is this calculator free?
Yes – free and private, with no sign-up.