SIP Calculator
See what a monthly SIP, a step-up SIP or a one-time lump sum could grow into. Move the sliders and watch how much of the final value is compounding rather than your own money.
Time does most of the work.
Keep the amount and return fixed and slide the time period from 10 to 30 years. The growth portion — the green part of the bar — overtakes your own money, and then keeps running away from it. That is compounding.
- Monthly SIP — the same amount on the same date every month.
- Step-up SIP — the monthly amount rises by a fixed % every year, like your salary.
- Lump sum — one amount invested once, left to compound.
Illustration only. Assumes a constant return compounded monthly; real market returns vary year to year and are not guaranteed.
| Year | Invested | Growth | Value |
|---|
The formula behind the numbers
P = monthly amount · i = annual rate ÷ 12 ÷ 100 · n = months
Example: ₹5,000 a month for 20 years at 12% a year. Here i = 0.01 and n = 240, which gives about ₹49.96 lakh — on ₹12 lakh of your own money.
P = amount invested once · r = annual rate ÷ 100
To compare the returns of two investments made at different times, see What is CAGR?
Frequently asked questions
How does this SIP calculator work?
It uses the standard future-value formula for a monthly SIP: FV = P × [((1 + i)n − 1) ÷ i] × (1 + i), where P is the monthly amount, i is the monthly rate (annual rate ÷ 12) and n is the number of months. It assumes each instalment is invested at the start of the month.
What is a step-up SIP?
A step-up SIP increases your monthly instalment by a fixed percentage once a year — for example 10% — usually in line with salary increases. The calculator raises the amount at the start of every new year.
Is the SIP calculator result guaranteed?
No. The calculator assumes the same return every year. Real mutual fund returns go up and down, and equity funds can have negative years. Use the result to understand compounding, not as a promise.
What return should I assume?
Use a conservative figure. Try a few rates — for example 8%, 10% and 12% — to see a range of outcomes rather than relying on one number.
What is the difference between SIP and lump sum here?
SIP mode assumes the same amount invested every month. Lump-sum mode assumes one amount invested once at the start, compounding yearly.
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