Find out how much your monthly mutual fund SIP can grow to. Add a yearly step-up or a lumpsum if you like.
Returns are not guaranteed. Try a lower and a higher rate to see a realistic range.
| Year | Monthly SIP | Invested | Returns | Value |
|---|
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. Each instalment buys units and keeps growing until you redeem, so money invested early has the longest time to compound.
This calculator assumes each instalment is invested at the start of the month and grows at a monthly rate equal to the yearly return divided by 12. The formula is Value = M × ((1 + i)n − 1) / i × (1 + i), where M is the monthly amount, i is the monthly rate and n is the number of months. A lumpsum is grown once a year at the yearly return.
Investing ₹10,000 every month for 10 years at an average 12% a year: you put in ₹12,00,000, and the estimated value is about ₹23,23,391. That means roughly ₹11,23,391 comes from returns. Change the inputs above to see your own numbers.
Most people's income rises every year, but their SIP stays the same. A step-up SIP increases the monthly amount by a fixed percentage each year. Open Step-up, lumpsum & inflation above and enter 10% to see how much bigger the final amount gets. Many fund houses and apps let you set this up as a "top-up" option.
Planning a big purchase alongside your SIP? Check what a loan would cost with our EMI Calculator, or see how much home loan you can get with the Home Loan Eligibility Calculator.
This calculator gives estimates for planning only and is not investment advice. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.