Model systematic monthly investments with a constant expected annual return and optional yearly contribution step-up.
Calculate with the SIP Calculator
Enter the details below. Required values are validated before results are shown.
SIP Calculator results
SIP Calculator projection
Compare how your contributions and estimated investment value grow over time.
The year-by-year values are also provided in the accessible table.
How to use the SIP Calculator
- Choose the display currency and any calculation mode or frequency.
- Enter each required value using a consistent currency and time basis.
- Select Calculate or press Enter.
- Review the result explanation, assumptions, and any schedule before relying on the estimate.
Worked example
A ₹10,000 monthly SIP for ten years invests ₹12 lakh before any annual step-up.
Understanding the results
The summary separates the most important output from supporting values. Currency selection changes formatting only; it does not convert exchange rates or alter a currency-independent formula.
Frequently asked questions
Are SIP returns guaranteed?
The monthly rate is the expected annual return divided by 12; step-up changes the monthly contribution once each year. The result depends on the values and assumptions entered, so compare it with the applicable provider or official rule.
Can I use decimal values in the SIP Calculator?
Yes. Decimal values are supported. Results are calculated at full JavaScript numeric precision and formatted for readability.
Are the SIP Calculator results guaranteed?
No. The calculator provides an estimate based on the entered assumptions and is not financial, tax, investment, lending, payroll, or legal advice.