SIP Calculator
See what a monthly mutual fund SIP is worth at maturity — and how much of that is your money versus returns.
Maturity value
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- Total invested
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- Estimated returns
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- Growth multiple
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- Final year SIP
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Year by year
How this works
The calculator invests each instalment at the start of the month and compounds it for the rest of the tenure. When a step-up is set, the monthly amount rises on every twelfth month, which mirrors how fund houses apply step-up mandates.
Frequently asked
- How is the SIP maturity value calculated?
- Each monthly instalment is invested at the start of the month and compounds at the expected rate for the remaining tenure. The calculator simulates every month rather than using a single closed-form formula, which is what lets it handle annual step-ups and part years correctly.
- What is a step-up SIP?
- A step-up SIP increases your monthly contribution by a fixed percentage every year, usually in line with your salary growth. Even a 10% annual step-up changes the final corpus dramatically over long tenures.
- What return should I assume?
- Long-run equity mutual fund returns in India have historically fallen in the 10–14% range, but past performance guarantees nothing. Debt funds and hybrid funds are lower. Use a conservative number and treat the result as a plan, not a promise.
More calculators
- Lumpsum CalculatorCompound growth on a one-time investment, year by year.
- Goal PlannerThe monthly SIP needed to fund a goal, adjusted for inflation.
- EMI CalculatorLoan EMI, total interest and a full year-wise amortisation schedule.
- FD & RD CalculatorMaturity value of fixed and recurring deposits, compounded properly.
- Retirement PlannerThe corpus your retirement needs and the SIP that gets you there.
- Income Tax CalculatorNew vs old regime, side by side, with the slab-wise breakdown.