How to use the sip calculator
- Enter the monthly SIP amount.
- Enter an expected yearly return; this is an assumption, not a promise.
- Choose the number of years and an optional yearly step-up.
- Read the estimated value, gains and the value in today’s money after inflation.
Formula we use
FV = Σ SIPₜ × (1 + i)^(months left) · i = (1 + r)^(1/12) − 1
Frequently asked questions
How is SIP return calculated?
Each monthly instalment is invested at the start of the month and grows at the monthly equivalent of your expected yearly return: (1 + r)^(1/12) − 1. With a step-up, the SIP amount rises by that percentage every 12 months.
How much will ₹10,000 a month SIP become?
At an assumed 12% a year: about ₹22.4 lakh in 10 years, ₹47.6 lakh in 15 years and ₹92 lakh in 20 years. These are illustrations; real mutual fund returns vary.
How much SIP do I need for ₹1 crore?
At an assumed 12% a year, about ₹21,000 a month for 15 years with a flat SIP. A yearly step-up lowers the starting amount.
Are SIP returns guaranteed?
No. Mutual funds are market-linked. The return you enter is only an assumption; actual returns can be higher, lower or negative.
What is a step-up SIP?
Increasing your SIP amount every year, usually with your salary hike. Even a 10% yearly step-up makes a large difference over 15–20 years.
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Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Last updated 2026-11-09.