SIP Calculator

Project what a monthly SIP grows into. ₹10,000 a month for 10 years at 12% builds a corpus of about ₹23.2 lakh from ₹12 lakh invested — ₹11.2 lakh of it market gains. Add an annual step-up to model raising your SIP with your salary, the detail most basic calculators skip.

Monthly investment (₹)

Expected return (% p.a.)

Duration (years)

Annual step-up (%)

₹12,00,000

Total invested

₹11,23,391

Estimated gains

₹23,23,391

Maturity value

Assumes a constant annual return compounded monthly — real equity returns vary year to year, so treat the maturity figure as a projection, not a promise. Step-up raises your monthly amount once every 12 months (a 10% step-up turns ₹10,000 into ₹11,000 in year two). Gains from equity funds are taxable; returns shown are pre-tax. Not investment advice.

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Why use SIP Calculator?

A SIP (systematic investment plan) invests a fixed amount every month, and its projection math is a monthly annuity: each instalment compounds from the month it enters. This calculator uses the same convention as the AMC calculators, so results line up with what fund houses quote, and adds the step-up feature — raising the monthly amount by a set percentage every 12 months — which models what most people actually do as salaries grow, and makes a startling difference over long horizons. The invested-versus-gains split is the number worth watching. In the first years, the corpus is mostly your own money; somewhere past the decade mark, compounding takes over and gains start outrunning contributions. That crossover is the argument for starting early and for not interrupting a long SIP: the largest gains sit in the final years, generated by the corpus the earlier years built. Returns entered here are pre-tax assumptions, not guarantees — plan with a margin.

Key benefits

Step-up SIP modeling built in
Same monthly-compounding convention AMC calculators use
Shows invested vs gains split, not just the final number
Indian formatting (lakh/crore grouping)
Runs entirely in your browser

Features

Monthly annuity-due compounding
Annual step-up percentage
Invested / gains / maturity three-way breakdown
Any rate and duration

Popular use cases

Planning a retirement or house-deposit corpus
Seeing what raising your SIP 10% a year does over 15 years
Comparing a flat SIP against a step-up SIP
Setting a target date for a financial goal

How to use SIP Calculator

1
Enter your monthly SIP
The amount you invest each month, in rupees.
2
Set expected return and duration
Annual return (12% is a common long-run equity assumption) and the number of years.
3
Add a step-up (optional)
A 10% step-up raises your monthly amount by 10% every 12 months, matching salary growth.
4
Read the projection
Total invested, estimated gains, and maturity value update instantly.

Frequently asked questions

How much will a ₹10,000 monthly SIP be worth in 10 years?

About ₹23.2 lakh at a 12% assumed annual return — ₹12 lakh of your own contributions plus roughly ₹11.2 lakh of gains. At 15 years the same SIP reaches about ₹50 lakh, because the later years compound on a much larger base.

What is a step-up SIP?

A SIP whose monthly amount rises by a fixed percentage every year — usually matched to salary increments. A ₹10,000 SIP with a 10% annual step-up invests ₹11,000 a month in year two, ₹12,100 in year three, and so on. Over 10 years at 12% it builds about ₹33.7 lakh versus ₹23.2 lakh for the flat version.

Is the 12% return guaranteed?

No. It's a common long-run assumption for diversified equity funds, but actual returns vary widely year to year and can be negative over short periods. Treat the output as a planning projection, and note that equity fund gains are taxable.

SIP or lump sum — which is better?

A SIP spreads your entry across market levels (rupee-cost averaging) and matches how salaries arrive, which is why it's the default for most investors. A lump sum invested early can end higher in a steadily rising market. They solve different problems — the SIP's real advantage is discipline.

Last reviewed: August 2026

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