SIP Calculator
Future value of monthly SIP investments with optional annual step-up.
Enter your details
How it is calculated
FV = P × [((1 + i)n − 1) ÷ i] × (1 + i) (instalment at the start of month; drop the last factor for end-of-month).
With a yearly step-up, each year's instalment is multiplied by (1 + step-up %) and the balance is rolled forward month by month.
Worked example
SIP of ₹10,000 per month for 10 years at 12% p.a. (i = 1%, n = 120): FV = 10,000 × [(1.01^120 − 1) ÷ 0.01] × 1.01 ≈ ₹23,23,391. Total invested ₹12,00,000, estimated gains ≈ ₹11,23,391.
About the SIP Calculator
Future value of monthly SIP investments with optional annual step-up. This free investment & retirement tool runs entirely in your browser: nothing you type is sent to a server, and you can save, print or download the result.
What you need to enter
You will be asked for monthly sip amount, expected annual return, investment period (years), annual step-up in sip, sip instalment date. Fields marked * are required. Every field shows a hint and the allowed range.
How to use it
- Fill in the inputs (sample values are pre-filled so you can see how it works).
- Press Calculate to see the result, breakdown and chart.
- Use Print, Download PDF or Share to keep the result, or come back to it from your saved history.
Who it helps
Salaried individuals, business owners, investors and professionals who want a quick, transparent estimate before they file, invest or plan. If your case has special facts, our team can review it - ask for a consultation.
Results are estimates based on the rules and rates described under "How it is calculated". Laws change and individual facts differ, so confirm with official sources or a qualified professional before acting. This is not tax, legal or investment advice.
Frequently asked questions
What return should I assume for a SIP?
Nobody can know future returns. Many planners test a conservative, a moderate and an optimistic rate (for example 8%, 10% and 12%) so you see a range, rather than relying on a single number.
What does the step-up option do?
It raises your SIP by a fixed percentage every year, matching income growth. Even a 10% annual step-up can increase the final corpus substantially over 15–20 years.
Are the results post-tax?
No. Gains are shown before capital-gains tax, expense ratio and exit load. Tax on redemption depends on the fund type and holding period as per the Income-tax rules in force.
Need help beyond the calculator?
Talk to our tax and compliance team for advice based on your documents.