SIP Calculator
This SIP calculator shows what your monthly mutual fund investment can grow to, with an optional yearly step-up built in. Set the amount, expected return and years, and the invested-versus-gain split updates as you type — the whole calculation runs on your device.
- Nothing you type leaves this page
- Works offline once loaded
- Free forever, no signup
Preparing SIP Calculator for you…
Loading the tool into your browser. Nothing is uploaded — the work happens on your device.
Step-up raises your SIP once every 12 months — e.g. 10% turns ₹5,000 into ₹5,500 from month 13.
Estimated value
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- Invested {{ inr(result.invested) }}
- Estimated gain {{ inr(result.gain) }}
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Invested {{ inr(result.invested) }} · Gain {{ inr(result.gain) }}
Projection at your assumed rate — mutual fund returns are market-linked, not guaranteed. Contributions are counted at the start of each month.
How to use this tool
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Enter your monthly SIP amount
Start from the ₹5,000 default or type your own amount — anything from ₹500 up.
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Set expected return and years
12% p.a. is a common long-term assumption for Indian equity funds; drop it to 10% or lower to stress-test the projection.
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Add a yearly step-up if you plan one
A 10% step-up raises your SIP every 12 months as your income grows — the result card shows exactly how much extra corpus it adds versus a flat SIP.
Questions people ask
What will a ₹5,000 monthly SIP become in 20 years?
About ₹49.96 lakh at 12% p.a., on ₹12 lakh invested — roughly ₹38 lakh of the final value is growth. Set years to 20 in this calculator to see the exact split for your assumptions.
What is a step-up SIP?
You raise your SIP by a fixed percentage every year — say 10% — as your income grows. Because the bigger contributions still get years to compound, a step-up can add 40–60% to the final corpus compared with a flat SIP. Enter a step-up percentage here to see the difference for your numbers.
How does this calculator compute SIP returns?
Each contribution is invested at the start of the month and compounds monthly at your annual rate ÷ 12 (the annuity-due convention most SIP calculators use). With a step-up, the contribution increases once every 12 completed months.
Is SIP return guaranteed?
No. Mutual fund returns are market-linked and vary year to year; this calculator projects a steady assumed rate so you can compare scenarios, not predict the market.
What return should I assume in a SIP calculator?
10–12% p.a. is the common long-term assumption for Indian equity funds, 7–8% for hybrid or debt funds. It costs nothing to check both — lower the rate and see whether the plan still reaches your goal.
Does this SIP calculator upload my data?
No — everything is computed in your browser, nothing is stored on a server, and the page keeps working offline once loaded.
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