₹10,000 monthly SIP for 15 years at 12.00% expected annual return with 10% annual step-up.
Investment vs Returns
Breakdown of your projected maturity value.
Year-by-Year Growth
Visual projection of investment value over time.
SIP Projection Table
Annual values for invested amount, estimated value, and gains.
| Year | Monthly SIP | Invested | Value | Gains |
|---|---|---|---|---|
| 1 | ₹10,000 | ₹1,20,000 | ₹1,26,825 | ₹6,825 |
| 2 | ₹11,000 | ₹2,52,000 | ₹2,82,417 | ₹30,417 |
| 3 | ₹12,100 | ₹3,97,200 | ₹4,71,693 | ₹74,493 |
| 4 | ₹13,310 | ₹5,56,920 | ₹7,00,320 | ₹1,43,400 |
| 5 | ₹14,641 | ₹7,32,612 | ₹9,74,822 | ₹2,42,210 |
| 6 | ₹16,105 | ₹9,25,873 | ₹13,02,707 | ₹3,76,834 |
| 7 | ₹17,716 | ₹11,38,461 | ₹16,92,601 | ₹5,54,141 |
| 8 | ₹19,487 | ₹13,72,307 | ₹21,54,411 | ₹7,82,105 |
| 9 | ₹21,436 | ₹16,29,537 | ₹26,99,505 | ₹10,69,968 |
| 10 | ₹23,579 | ₹19,12,491 | ₹33,40,917 | ₹14,28,426 |
| 11 | ₹25,937 | ₹22,23,740 | ₹40,93,580 | ₹18,69,840 |
| 12 | ₹28,531 | ₹25,66,114 | ₹49,74,596 | ₹24,08,481 |
| 13 | ₹31,384 | ₹29,42,725 | ₹60,03,530 | ₹30,60,805 |
| 14 | ₹34,523 | ₹33,56,998 | ₹72,02,762 | ₹38,45,764 |
| 15 | ₹37,975 | ₹38,12,698 | ₹85,97,871 | ₹47,85,173 |
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SIP Calculator Online - Mutual Fund SIP & Investment Calculator
About this tool
Free SIP Calculator for Mutual Fund Investment Planning in India
This free SIP calculator helps Indian investors estimate how a monthly mutual fund SIP can grow over time. Enter your monthly SIP amount, expected annual return, investment duration, annual step-up percentage, optional lump sum, and inflation assumption. The calculator shows total invested amount, estimated maturity value, estimated gains, wealth multiple, and inflation-adjusted value in Indian rupees.
A SIP, or Systematic Investment Plan, is one of the most common ways to invest in Indian mutual funds. Instead of investing a large amount at once, you invest a fixed amount every month. This builds discipline, spreads investment across market cycles, and makes long-term wealth creation easier for salaried professionals, freelancers, business owners, and first-time investors. A mutual fund SIP calculator is useful because compounding is hard to estimate mentally, especially across 10, 15, 20, or 25 years.
The tool also supports step-up SIP planning. Many investors increase their SIP every year as income grows. A ₹10,000 monthly SIP with a 10% annual step-up becomes ₹11,000 per month in the second year, ₹12,100 in the third year, and so on. This can make a large difference over long durations because higher contributions also get time to compound. Use the step-up field to compare a flat SIP against a growing SIP strategy.
Unlike most investment calculators, this tool runs fully in your browser. Your SIP amount, return assumption, investment horizon, and financial planning details are not uploaded to a server. Use it with other planning tools like the Mortgage Calculator, Rent vs Buy Calculator, or Daily Focus Log when comparing long-term goals, housing decisions, and savings habits.
Features
- Calculate mutual fund SIP maturity value using monthly compounding
- Estimate total invested amount, future value, and wealth gained
- Model annual step-up SIP increases for growing income scenarios
- Add a one-time lump sum investment along with monthly SIP
- See inflation-adjusted future value in today’s purchasing power
- View year-by-year investment growth as a chart
- Review annual projection table with invested amount, value, and gains
- Download the SIP projection table as CSV for Excel or Google Sheets
- Copy a clean SIP investment summary for notes or advisor discussions
- Auto-saves inputs locally in your browser for repeat planning
- Designed for Indian rupee formatting and India-focused SIP searches
- Runs locally with no sign-up, no upload, and no server-side storage
How to Use This SIP Calculator
- 1Enter your monthly SIP amountAdd the amount you plan to invest every month. You can test common monthly SIP amounts like ₹5,000, ₹10,000, ₹25,000, or ₹50,000 using the quick presets. The calculator assumes the SIP is invested monthly over the selected duration.
- 2Choose an expected annual returnEnter the expected annual return for your mutual fund or portfolio. Equity mutual fund planning often uses 10% to 12% as a long-term assumption, but this is not guaranteed. Use lower numbers for conservative funds and higher numbers only if the risk profile justifies it.
- 3Set the investment durationChoose how long you plan to continue the SIP. Longer durations show the power of compounding more clearly. A 5-year SIP behaves very differently from a 15-year or 25-year SIP because later gains are driven by growth on earlier gains.
- 4Add an annual step-up percentageIf you plan to increase your SIP every year, enter a step-up percentage. A step-up SIP calculator is useful for salaried investors who increase investments after yearly increments or business owners who want to raise contributions gradually.
- 5Include lump sum if neededUse the lump sum field if you already have money invested or plan to invest an initial amount along with the monthly SIP. The calculator compounds this amount along with the monthly contributions.
- 6Check inflation-adjusted valueThe maturity value may look large after many years, but inflation reduces purchasing power. The inflation-adjusted value shows an estimate in today’s money, which is more useful for long-term goals like retirement, children’s education, or a home down payment.
- 7Download or copy your projectionUse Copy summary to save the main SIP result, or download the year-by-year table as CSV. This makes it easy to compare different return assumptions, SIP amounts, and step-up strategies in a spreadsheet.
Common SIP Planning Use Cases
Frequently Asked Questions
A SIP calculator estimates the future value of monthly investments using compound growth. It applies the expected annual return as a monthly return, adds each SIP installment, and compounds the accumulated value until the selected duration ends. The result shows total invested amount, estimated gains, and projected maturity value.
SIP stands for Systematic Investment Plan. It is a way to invest a fixed amount at regular intervals, usually monthly, into a mutual fund. SIPs help investors build wealth gradually, average purchase cost over market cycles, and stay disciplined without trying to time the market.
Use a conservative long-term expected return based on the asset class and your risk profile. Equity mutual funds are often tested at 10% to 12% for planning, but actual returns can be higher or lower. Debt funds, hybrid funds, and conservative portfolios should use lower expected returns. The calculator is for projection, not a guarantee.
A step-up SIP calculator increases the monthly SIP amount every year by a chosen percentage. For example, a ₹10,000 monthly SIP with a 10% annual step-up becomes ₹11,000 per month in year two. Step-up SIP planning is useful when salary or business income is expected to grow over time.
SIP and lump sum investment serve different purposes. SIP spreads investments across time and can reduce timing risk, while lump sum invests available capital immediately and may benefit more if markets rise after investment. This calculator supports both monthly SIP and a one-time lump sum so you can model combined strategies.
Yes. The calculator shows an inflation-adjusted value using your selected inflation assumption. This helps estimate the future maturity value in today’s purchasing power terms, which is useful for long-term goals like retirement, education, or wealth creation.
No. Mutual fund returns are market-linked and not guaranteed. The SIP calculator uses your expected return assumption to create a projection. Actual results can differ due to market performance, fund expenses, tax rules, exit loads, and changes in investment behavior.
No. The SIP calculator runs in your browser. Your monthly SIP amount, expected return, duration, step-up percentage, and investment assumptions are processed locally and are not uploaded to a server. The page may save the latest inputs in local browser storage for convenience.