SIP Calculator

Estimate how much a regular monthly investment could grow to, given an expected annual return. Add an annual step-up to model raising your contribution each year.

Monthly investment

Expected return % / year

Tenure (years)

Step-up % / year (optional)

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Invested: —
Est. gains: —
Growth: —

How it works

Each month’s contribution is compounded monthly at your expected return. The future value is the sum of all contributions, each grown for the time it stays invested.

With a step-up, your monthly amount increases by that percentage at the start of each year, and each year’s contributions are compounded to the end of the tenure.

FV = Σ [ C_y · ((1+r)¹² − 1) / r · (1+r) · (1+r)^{12·(n−1−y)} ]

Frequently asked questions

What return should I use?

Use a realistic long-term expectation for the asset class. Equity funds have historically returned more than debt funds but with more volatility. This is an estimate, not a guarantee.

What is a step-up?

A step-up is an annual increase in your monthly contribution — for example, raising it by 10% each year as your income grows. Leave it at 0 for a fixed monthly amount.

Is this financial advice?

No. It’s a projection tool based on the inputs you provide. Actual returns vary, and past performance doesn’t guarantee future results.