Goal planning
See whether a monthly amount reaches a goal such as a child's education.
SIP Calculator
Enter a monthly amount, an expected return and the years to see an estimate, not a promise.
Your files stay with you. Your files never leave your browser. This tool runs on your device: nothing is uploaded to our servers, so there is nothing for us to store or see.
How to use it
- Enter the monthly amount you plan to invest.
- Enter an expected yearly return and the number of years.
- Add a yearly step-up if you will raise the amount, then read the estimate and the table.
Where it helps
Step-up effect
Compare a flat SIP with one that rises 10% a year.
Return ranges
Try 8%, 10% and 12% to see a realistic spread.
Good to know
Stays in your browser
Numbers you type are worked out on your device and never sent to our servers.
An estimate, not a promise
Market returns change; tax and charges aren't deducted.
Start early
Time does more of the work than the monthly amount.
Questions people ask
How much will a monthly SIP grow to?
Enter the monthly amount, an expected yearly return and the number of years, and add a yearly step-up if you'll raise the amount with your salary. The tool shows the estimated value, the amount invested, the estimated gain and a year-by-year table. A ₹5,000 SIP for 10 years at 12% comes to about ₹11.6 lakh.
- ₹11.6 lakh ₹5,000 x 10 yrs. At 12% a year.
- Step-up Yearly raise. 0 to 100%.
- Year table Invested vs value. See the curve.
- Pre-tax Estimate. Charges not deducted.
How is the SIP value calculated?
Each instalment goes in at the start of the month and grows at the yearly rate divided by 12, compounding monthly. A ₹5,000 SIP for 10 years at 12% comes to about ₹11.62 lakh on ₹6 lakh invested. Fund houses use similar maths, so the result should match their own calculators.
Will my fund really return 12% a year?
Nobody knows. Equity fund returns swing widely from year to year, and past returns don't guarantee future ones. Some years are negative. Try 8%, 10% and 12% to see a range of outcomes, and plan your goals around the lower figure rather than the highest.
What is a step-up SIP?
You raise the monthly amount by a fixed percentage every year, often in line with your salary. Even a 10% step-up makes a large difference over a decade, because the bigger later instalments still have years to grow. Enter the step-up percentage and compare it with zero.
Does the result include tax and fund charges?
No. Capital gains tax, the fund's expense ratio and any exit load aren't deducted, so the real amount you take home will be lower. The expense ratio is already reflected in a fund's published returns, so use those returns when you pick a rate. Long-term equity gains are taxed more lightly than short-term ones.
How much SIP do I need for ₹1 crore?
Try amounts until the future value reaches ₹1 crore. At 12% a year, about ₹21,000 a month for 15 years gets close, or about ₹10,000 a month for 20 years. A step-up lowers the starting amount you need. Use a lower rate as well to see how sensitive the goal is.
What is the difference between invested amount and gain?
The invested amount is what you put in, your monthly SIP times the number of months. The estimated gain is the growth on top. Over long periods the gain can be larger than what you invested, which is why starting early matters more than the exact monthly figure.
Is SIP better than a lump sum?
Neither is always better. A lump sum invested early grows longer, but a SIP spreads your buying over many months, which smooths out market ups and downs and suits a monthly salary. Use the lump sum return calculator to compare the two with the same total amount.
Can I stop or pause a SIP?
Yes. Most fund houses let you pause, change or stop a SIP online without a penalty. Units you've already bought stay invested. This calculator assumes every instalment is paid on time, so model a shorter period if you expect to stop early. Restarting later is usually just as easy online.
What does the year-by-year table show?
For each year it lists the total invested so far and the estimated value at the end of that year. In the early years the two are close. Later, the gap widens as compounding takes over. It's a good way to show family members why patience pays.
Which return rate should I use for debt funds?
Debt funds usually return less than equity funds and swing less. Look at the fund's long-term returns on its factsheet and use something a little lower to be safe. For a hybrid fund, pick a rate between your debt and equity assumptions. Debt returns also move when interest rates change.
Does inflation affect the SIP result?
Yes. ₹11 lakh in ten years will buy less than ₹11 lakh today. A simple way to see the real value is to use your expected return minus inflation, for example 12% minus 6%, which gives 6%. That shows the result in today's buying power.
Is this financial advice?
No. It's a calculator that shows what an assumed return would produce. It doesn't know your goals, your risk tolerance or the fund you're looking at. Speak to a SEBI-registered adviser before making investment decisions, especially for large or long-term goals. An adviser can match a plan to your goals and risk.
Is anything I enter stored?
No. Every figure is worked out in your browser and nothing reaches our servers. There's no sign-up and the page saves nothing after you close it. You can try as many amounts, returns and step-ups as you like with nobody else seeing the numbers. Close the tab and every figure is gone.
Does it work on a phone?
Yes. The fields bring up the number keypad, the results show at the top and the year table scrolls on a small screen. It runs in any mobile browser, so you can check a SIP plan while talking to your bank or adviser without opening a separate app.
Is the SIP calculator free?
Yes, it's free with no sign-up and no limit. It's part of the free finance calculators from Marketiism, alongside the FD, RD and compound interest tools. Marketiism makes software for small businesses and doesn't sell mutual funds. We simply want people to plan their savings with clear numbers.
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