How to use this SIP calculator
- Enter your monthly investment. You can type short forms like 5k, 50L, 1Cr or 2M; there is no upper limit.
- Set the expected return and the number of years.
- Tick Add a starting amount if you already have a lumpsum to invest on day one.
- Tick step-up to raise the SIP every year by a percentage or a fixed amount.
- Scroll to the year-by-year table and pick Keep investing or Stop and stay invested to see the 25 years after your plan.
SIP formula
For a fixed monthly SIP, the future value is:
The extra “× (1 + i)” is there because each instalment is invested at the start of the month, so it earns a full month of growth. A starting amount adds C × (1 + i)^n. With a step-up, the calculator works month by month because the instalment changes each year.
Worked example
₹5,000 a month for 15 years at 12% a year grows to about ₹25,22,880. You invest ₹9,00,000; the rest is growth. Raise the SIP by 10% every year and the same 15 years end at about ₹43,41,925.
| Monthly SIP | Period | You invest | Value at 12% |
|---|---|---|---|
| ₹5,000 | 10 years | ₹6,00,000 | ₹11,61,695 |
| ₹10,000 | 15 years | ₹18,00,000 | ₹50,45,760 |
| ₹25,000 | 20 years | ₹60,00,000 | ₹2,49,78,698 |
| ₹50,000 | 25 years | ₹1,50,00,000 | ₹9,48,81,755 |
Why look 25 years past your plan?
Compounding speeds up with time, so the years after you stop often add more than the years you invested. ₹2,000 a month at 25% for 15 years reaches about ₹39.12 lakh. If you stop the SIP but leave the money invested for 25 more years at the same rate, it could reach about ₹190.02 crore. The table makes that visible year by year.
Why SIP calculators give different answers
Some sites divide the yearly rate by 12 (12% becomes 1% a month). Others convert it exactly, so twelve months compound to precisely 12% (about 0.949% a month). On ₹10,000 a month for 15 years at 12%, the first method gives ₹50,45,760 and the second gives ₹47,59,314. This calculator lets you switch under More options, so you can match whichever figure you are comparing against.
Remember that market returns are never fixed. Use a return you can defend, and check a lower one too.
Frequently asked questions
What return should I use in a SIP calculator?
Use a long-term average that fits the fund type, and test a lower figure too. Equity funds have historically returned more than debt funds but swing far more from year to year. No calculator can predict actual returns.
Is there a maximum amount I can enter?
No. Type any amount, including short forms like 50L, 1Cr, 10M or 2B. The slider is only a shortcut for common amounts.
Can I use this SIP calculator in dollars or other currencies?
Yes. Tap the currency button at the top to choose from more than 150 currencies, and switch between lakh/crore and million/billion number styles. The maths is the same in every currency.
What is a step-up SIP?
A step-up (or top-up) SIP raises your instalment every year, by a percentage or a fixed amount, usually in line with salary increases. Even a 10% yearly step-up makes a large difference over 15 to 20 years.
What does “Stop and stay invested” mean in the table?
It shows what happens if you stop the SIP when your plan ends but leave the money invested at the same return. “Keep investing” shows what happens if the SIP continues for 25 more years.
Are SIP returns guaranteed?
No. Mutual fund returns depend on the market. This calculator shows what a steady return would produce, which is useful for planning but not a promise.