Monthly investment planning

SIP Calculator

Estimate monthly SIP future value, total invested amount, expected gains, target SIP, and year-wise growth for long-term investment planning.

Investment calculators illustration with rupee savings and growth chart

Enter SIP Details

Rs.

Rs.

Please enter valid SIP amount, target, expected return, and tenure details.

Step-up increases the SIP amount once every year. Keep it 0 for a regular SIP.

Choose a date from the past 40 years through the next 5 years.

Investment Tenure

Tenure supports up to 50 years. Months above 11 are automatically converted into years.

Results are indicative. Mutual fund returns are market-linked and are not guaranteed.

Result

Enter details and calculate.

Estimated Future Value

-- Indicative value before tax, costs, and market variation
Monthly SIP--
Total Invested--
Estimated Gains--
Tenure--
Expected Return--
Annual Step-up--
Invested Amount Estimated Gains

Investment Summary

Monthly SIP
--
Expected Return
--
Tenure
--
Start Date
--
Estimated End Date
--

SIP Growth Schedule

Year-wise estimate showing invested amount, estimated gains, and closing value.

Year SIP Added Total Invested Estimated Gains Closing Value
Calculate to view yearly SIP growth.

About SIP Calculator India

SIP Calculator is a free online mutual fund SIP calculator that helps estimate how monthly investments may grow over time. Enter the monthly SIP amount, expected annual return, tenure, and optional annual step-up to see future value, total invested amount, estimated gains, and a year-wise growth schedule.

Monthly SIP

Plan regular investments.

Step-up Option

Increase SIP every year.

Private

Data stays in your browser.

Responsive

Works on all devices.

How to Use SIP Calculator?

1Enter SIP

Add monthly investment or target amount.

2Add Return

Enter expected annual return.

3Select Tenure

Choose years and months.

4View Result

Check future value and gains.

SIP Formula

A regular SIP is commonly estimated using monthly compounding:

FV = P x [((1 + i)n - 1) / i]

FV is future value, P is monthly SIP amount, i is monthly expected return, and n is number of monthly installments. Step-up SIP is estimated month by month because the contribution changes every year.

Popular Uses

Monthly Investing

Estimate long-term SIP value.

Goal Planning

Find required SIP for a target.

Return Estimate

Compare invested amount and gains.

Long Tenure

See year-wise growth schedule.

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Why Use GanakMitra SIP Calculator?

Use this calculator for quick SIP planning, target corpus planning, step-up SIP estimates, and comparing monthly contribution with potential gains. The calculation runs in your browser and does not store financial data.

SIP future valueTarget SIPStep-up SIPEstimated gainsBefore tax estimate
SIP calculation graphic

SIP Calculator FAQ

What is a SIP Calculator?

A SIP Calculator estimates the future value and gains of regular monthly investments using monthly SIP amount, expected annual return, and tenure.

How is SIP return calculated?

The calculator uses monthly compounding. Each monthly SIP contribution is grown for the remaining investment period and then added to the final corpus.

What is step-up SIP?

A step-up SIP increases your monthly SIP amount once every year. For example, a 10% step-up raises a Rs. 5,000 monthly SIP to Rs. 5,500 after the first year.

Can I calculate required SIP for a goal?

Yes. Use Target SIP mode to estimate the starting monthly SIP needed for your target amount, expected return, tenure, and annual step-up rate.

Does this calculator include tax or expense ratio?

No. It shows an indicative pre-tax estimate. Actual returns may differ because of taxes, expense ratio, exit load, and market performance.

Are SIP returns guaranteed?

No. SIP returns are market-linked. The calculator only estimates results based on the expected return entered by the user.