Estimate how a monthly systematic investment plan may grow, or work backwards from a target corpus to find a starting SIP amount. Adjust the expected return, investment period, and annual step-up to compare scenarios before choosing an amount that fits your monthly budget.
What this SIP calculator shows
- Monthly investment mode: maturity value, total contributions, estimated gains, and growth share.
- Target corpus mode: the starting monthly SIP that may be needed for your selected goal and assumptions.
- Annual step-up: the effect of increasing the monthly contribution once each year.
- Yearly projection: estimated contributions, value, and gains at the end of each year.
Change one input at a time. This makes it easier to see whether the monthly amount, return assumption, time period, or yearly increase has the biggest effect.
How the SIP calculation works
The calculator uses the future value formula for monthly contributions and assumes each contribution is made at the beginning of the month. It converts the effective annual return into an equivalent monthly rate using `Monthly rate = (1 + annual return)^(1 / 12) – 1`; it does not simply divide the annual return by 12. When annual step-up is enabled, the increased contribution starts in month 13, then month 25, and so on.
For example, investing Rs. 25,000 at the beginning of every month for 10 years at an assumed effective annual return of 12% produces an estimated value of about Rs. 56,00,897 before costs and tax.
In target corpus mode, the same formula is rearranged to estimate the starting monthly contribution required to reach the selected target. This is a mathematical estimate, not a recommendation or guarantee.
Real mutual fund returns do not arrive at a constant rate. They can be negative, positive, or uneven, and fees or taxes can reduce the amount you keep. This is why the estimate is useful for comparing assumptions, not predicting an outcome.
Common questions
Is the SIP calculator result guaranteed?
No. SIP returns are market-linked and cannot be guaranteed. Change the expected return to compare conservative and higher-return assumptions instead of treating one result as a promise.
What SIP amount should a beginner start with?
Choose an amount your monthly budget can support consistently after essential expenses, minimum debt payments, and a basic safety buffer. Read the guide to dividing salary between expenses, EMI, SIP, and emergency funds before deciding.
What does annual SIP increase mean?
It means the monthly SIP rises by the selected percentage after every 12 contributions. For example, a 10% annual increase changes a Rs. 5,000 monthly SIP to Rs. 5,500 starting with month 13. Future increases continue from the higher amount.
How should I choose an expected return?
Use a reasonable assumption for comparison and test more than one rate. A higher input makes the projected value look larger, but it does not make that return more likely. Past performance cannot guarantee future returns.
Does this calculator include tax and fund costs?
No. It provides a simplified growth estimate and does not deduct expense ratios, exit loads, taxes, or other costs.
More calculators
Use the emergency fund calculator to estimate a safety buffer, the salary budget calculator to plan monthly cash flow, or the personal loan EMI calculator to compare repayment assumptions.
