SIP Calculator
Estimate the future value of your monthly SIP investments.
Inputs
Total Invested
₹12,00,000
Total Profit
₹11,23,391
Future Value
₹23,23,391
Real Value (infl. adj.)
₹12,97,369
Growth Timeline
Year-wise Breakdown
| Year | Invested | Value |
|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹23,23,391 |
How this is calculated
FV = P × [((1 + r)^n − 1) / r] × (1 + r), with r = monthly return and n = months- 1Monthly SIP: ₹10,000
- 2Expected annual return: 12% (monthly 1.00%)
- 3Duration: 10 years (120 months)
- 4Step-up: 0% per year
- 5Total invested: ₹12,00,000, final value: ₹23,23,391
- 6No step-up applied.
Results are estimates for educational purposes only and are not financial, investment, tax, accounting, or legal advice. Always consult a qualified professional before making financial decisions.
By Vizo ToolLast updated August 20266 min read
SIP Calculator — Estimate Your Monthly Investment Growth
The SIP (Systematic Investment Plan) Calculator estimates how much your monthly mutual fund investments could grow to over time. Enter your monthly investment, expected annual return, and duration, and the calculator projects your future value — including optional annual step-up growth and inflation-adjusted purchasing power.
Everything runs instantly in your browser. No sign-up, no uploads, and no data leaves your device, so you can experiment freely with different amounts and return assumptions to plan your investment journey.
- Step-up SIP
- Inflation-adjusted
- Year-wise table
- Monthly projection
- Free & private
Why Use SIP Calculator?
Plan Your Wealth Goal
See whether a ₹10,000 monthly SIP can realistically fund a ₹1 crore goal — and adjust instantly.
Step-Up SIP Support
Model an annual 10% increase in your SIP to reflect salary hikes and rising income over time.
Inflation-Aware
See the real, inflation-adjusted value of your corpus so your future spending power isn't a surprise.
Year-by-Year Breakdown
A detailed table shows investment, returns, and corpus growth for every single year.
Features
Live Calculation
Every slider move recomputes your future value, total invested, profit, and real value instantly.
Annual Step-Up
Increase your monthly investment by a fixed percentage each year to model disciplined escalation.
Inflation Adjustment
Deflate the future corpus back to today's rupees so you can compare goals fairly.
Year-wise Table
Scroll through a full yearly breakdown of invested amount, growth, and corpus.
Copy, Share & Print
Copy a summary, share it, or export a print-ready report of your calculation.
How to Use the SIP Calculator
Plan your monthly investment journey in three quick steps.
Enter your monthly investment
Type or slide the monthly amount you plan to invest (e.g. ₹10,000).
Set return and duration
Choose your expected annual return and the number of years, plus optional step-up and inflation.
Review the projection
Check your future value, total invested, and the year-wise table, then copy or print the result.
Frequently Asked Questions
Got questions? We've got answers.
How does a SIP calculator work?▼
It compounds your monthly investment at the expected annual return using the standard SIP future-value formula, converting the annual rate to a monthly rate and applying it to each contribution.
What is a good expected return for SIP?▼
Historically, equity mutual funds have returned 10–14% annually over long periods. Use 12% as a moderate assumption and try 10% and 15% to see a range.
What is a step-up SIP?▼
A step-up SIP increases your monthly investment by a fixed percentage every year — e.g. 10% — so your contributions grow with your income and build a larger corpus.
Is the SIP calculator free?▼
Yes, it's completely free with no sign-ups, no limits, and no watermarks. Everything runs privately in your browser.
Does the calculator include inflation?▼
Yes — you can enter an inflation rate to see the corpus expressed in today's purchasing power, so you know what the future amount is really worth.
What is the formula for SIP returns?▼
FV = P × [((1 + i)^n − 1) / i] × (1 + i), where P is the monthly investment, i is the monthly rate (annual ÷ 12), and n is the total number of months.
Can I calculate the future value for 20 or 30 years?▼
Yes, the duration slider goes up to 40 years, with a full year-wise table for any tenure you choose.
How much should I invest monthly for ₹1 crore?▼
At a 12% return, roughly ₹4,300/month for 25 years or ₹10,000/month for about 15 years. Use the calculator to find the exact number for your goal.
Are SIP returns guaranteed?▼
No. Mutual fund returns depend on market performance and are never guaranteed. The calculator shows estimates based on the return you assume.
Does the tool show a yearly breakdown?▼
Yes, a year-wise table lists invested amount, returns, and corpus at the end of every year for the full duration.
Can I model an increase in my SIP every year?▼
Absolutely — set an annual step-up percentage and the calculator escalates your monthly investment each year automatically.
Is my data sent to a server?▼
No. All calculations run locally in your browser, so your financial inputs never leave your device.
What is the difference between SIP and lump sum?▼
SIP invests fixed amounts monthly, averaging your purchase price over time, while lump sum invests everything at once. Both are supported by different calculators on this site.
How accurate is the inflation-adjusted value?▼
It applies your chosen inflation rate to deflate the nominal corpus into today's rupees — a useful planning estimate, not a precise prediction of future prices.
Can I download or share my SIP calculation?▼
Yes — copy a clean summary to your clipboard, share it, or print a report with one click.
Does it work on mobile?▼
Yes, the calculator is fully responsive with touch-friendly sliders and works on phones, tablets, and desktops.
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