How to use the SIP Calculator
- Enter your monthly investment.
- Enter an expected annual return.
- Choose how many years you'll invest.
- Optionally add a yearly step-up — for example, 10% more each year as your income grows.
What does this tool do?
A SIP (systematic investment plan) means investing a fixed amount every month, typically in a mutual fund. Because each installment is invested at a different price, you buy more units when prices are low and fewer when they're high.
This calculator assumes each installment is made at the start of the month and grows at a steady monthly rate equal to your expected annual return divided by 12.
Why use it?
- Set realistic long-term goals.
- See how a yearly step-up speeds things up.
- Compare different return assumptions quickly.
Example
Investing ₹5,000 a month for 15 years at an expected 12% a year gives an estimated value of about ₹25.2 lakh (₹25,22,880). You invest ₹9,00,000; the rest is estimated growth.
The formula
Accuracy and limits
- Mutual fund returns are not guaranteed. Real returns vary and can be negative over short periods.
- Expense ratios, exit loads and taxes aren't included.
Privacy
The calculation happens instantly in your browser. The numbers you enter are not sent to our servers or saved. There's no account to create and nothing to install.
Frequently asked questions
What return should I assume?
Use a conservative figure and try a few rates to see the range. Past performance doesn't guarantee future results.
Last reviewed by the M2Toolkit team.