Monthly investment planningSIP Calculator
Estimate monthly SIP future value, total invested amount, expected gains, target SIP, and year-wise growth for long-term investment planning.
Enter SIP Details
Result
Enter details and calculate.
Estimated Future Value
-- Indicative value before tax, costs, and market variationInvestment Summary
- Monthly SIP
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- Expected Return
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- Tenure
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- Start Date
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- Estimated End Date
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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.
Plan regular investments.
Increase SIP every year.
Data stays in your browser.
Works on all devices.
How to Use SIP Calculator?
Add monthly investment or target amount.
Enter expected annual return.
Choose years and months.
Check future value and gains.
SIP Formula
This calculator uses monthly compounding and assumes each SIP contribution is invested at the end of the month:
FV is future value, P is monthly SIP amount, i is monthly expected return, and n is number of monthly installments. Because contributions are added at month-end, the formula does not use an extra (1 + i) multiplier. Step-up SIP is estimated month by month because the contribution changes once every year.
Normal SIP vs Step-up SIP: Key Differences
| Comparison | Normal SIP | Step-up SIP |
|---|---|---|
| Monthly investment | Usually remains fixed throughout the selected period | Increases once every year based on the selected step-up percentage |
| Investment pattern | Simple and consistent | Gradually increases over time |
| Income-growth alignment | Does not change automatically with income growth | Can reflect yearly income increases if the investor chooses to increase SIP |
| Estimated future value | Based on a fixed monthly contribution | May show a higher estimated value because contributions increase over time |
| Planning style | Easier to understand and track | Useful for estimating gradually increasing investments |
| Calculator use | Helps estimate returns from a fixed SIP amount | Helps estimate returns when SIP amount increases every year |
Note: This comparison is for educational and calculation purposes only. It should not be treated as investment advice.
Popular Uses
Estimate long-term SIP value.
Find required SIP for a target.
Compare invested amount and gains.
See year-wise growth schedule.
More Related Calculators
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 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 and assumes each SIP is invested at the end of the month. Each contribution then grows for the remaining investment period.
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. Taxes, expense ratio, exit load, and inflation are not included. Actual returns may also differ because of 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.
How much SIP is required for ₹1 crore?
The required SIP depends on your expected return, investment tenure, and annual step-up. Select Target SIP mode, enter ₹1 crore as the target, and add your assumptions to estimate the starting monthly SIP.
What is the difference between normal SIP and step-up SIP?
In a normal SIP, the monthly investment amount remains the same throughout the selected period. In a step-up SIP, the monthly SIP amount increases at a fixed percentage every year. For example, if your SIP is ₹5,000 per month and the annual step-up is 10%, the SIP amount becomes ₹5,500 per month from the next year. A step-up SIP may show a higher estimated future value because the invested amount increases over time. However, the right approach depends on your income, financial goals, risk profile, and investment comfort. This calculator is for estimation and educational purposes only, not investment advice.