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Investing · Free & private

SIP Calculator with step-up & lumpsum

See how much your monthly SIP or one-time investment could grow. Add a yearly step-up and watch compounding do the heavy lifting.

Investment type

Raise your SIP by this much every year, e.g. in line with salary hikes.

Estimated value after 15 years

₹50.46 L

₹50,45,760 · your money grows 2.8×

Returns

₹32.46 L

  • Amount invested₹18,00,000
  • Est. returns₹32,45,760

Invested

₹18 L

Wealth gained

₹32.46 L

Estimated value ₹50,45,760. Invested ₹18,00,000. Estimated returns ₹32,45,760.

Watch compounding take over

The gap between the two bars is growth your money earned on its own.

  • Invested
  • Value
Show year-by-year table
Investment growth by year
YearInvestedReturnsValue
1₹1,20,000₹8,093₹1,28,093
2₹2,40,000₹32,432₹2,72,432
3₹3,60,000₹75,076₹4,35,076
4₹4,80,000₹1,38,348₹6,18,348
5₹6,00,000₹2,24,864₹8,24,864
6₹7,20,000₹3,37,570₹10,57,570
7₹8,40,000₹4,79,790₹13,19,790
8₹9,60,000₹6,55,266₹16,15,266
9₹10,80,000₹8,68,215₹19,48,215
10₹12,00,000₹11,23,391₹23,23,391
11₹13,20,000₹14,26,148₹27,46,148
12₹14,40,000₹17,82,522₹32,22,522
13₹15,60,000₹21,99,311₹37,59,311
14₹16,80,000₹26,84,180₹43,64,180
15₹18,00,000₹32,45,760₹50,45,760

How to use the SIP calculator

  1. Choose Monthly SIP or Lumpsum.
  2. Enter how much you will invest.
  3. Set the expected annual return and the number of years.
  4. Optionally add an annual step-up to raise your SIP every year.

SIP formula

FV = P × ((1 + i)ⁿ − 1) ÷ i × (1 + i)

  • P is the monthly SIP amount
  • i is the monthly rate of return: annual return ÷ 12 ÷ 100
  • n is the number of monthly instalments

For a lumpsum, the value is A × (1 + R)ᵗ, where R is the annual return and t the number of years.

What a SIP can grow to at 12%

SIP growth at 12% annual return
Monthly SIPYearsInvestedEstimated value
₹5,00010₹6,00,000₹11,61,695
₹10,00010₹12,00,000₹23,23,391
₹10,00020₹24,00,000₹99,91,479
₹25,00015₹45,00,000₹1,26,14,400

Notice that doubling the time from 10 to 20 years more than quadruples the corpus. That is compounding: your returns start earning returns of their own.

Tips for SIP investors

  • Start early. Time in the market matters more than the amount you start with.
  • Step up every year. Increasing your SIP by 10% a year can nearly double your final corpus over 20 years.
  • Stay invested through falls. Market dips let your SIP buy more units at lower prices.
  • Remember taxes. Equity fund gains above ₹1.25 lakh a year are taxed at 12.5% when held over a year.

Mutual fund investments are subject to market risks. The results here are illustrations, not guarantees.

Last reviewed:

Frequently asked questions

What is a SIP?
A Systematic Investment Plan (SIP) is a way to invest a fixed amount in a mutual fund at regular intervals, usually monthly. It builds discipline and averages out your purchase cost over market ups and downs.
How is SIP return calculated?
The calculator uses FV = P × ((1 + i)n − 1) ÷ i × (1 + i), where P is the monthly amount, i is the monthly rate of return and n is the number of months. This assumes each instalment is invested at the start of the month, the convention used by most Indian fund platforms.
What return should I assume?
Returns are never guaranteed. Over long periods, diversified Indian equity funds have historically delivered around 10–14% a year, debt funds 6–8%. Using a conservative figure such as 10–12% for equity is sensible for planning.
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly instalment by a fixed percentage every year, for example 10% in line with salary hikes. Even a small step-up makes a big difference to the final corpus.
SIP or lumpsum: which is better?
If you already have a large amount, investing it as a lumpsum gives it more time in the market. If you invest from monthly income, a SIP is the natural choice. Many investors spread a lumpsum over 6–12 months through an STP to reduce timing risk.