SIP Calculator

Financial

Estimate the future value of your Systematic Investment Plan or a one-time lumpsum. Add an annual step-up, adjust for inflation, and see a year-by-year growth breakdown.

Currency

Monthly investment₹25,000

Expected return rate (p.a.)12%

Time period10 years

Annual step-up(optional)0%

Increase your monthly contribution by this percentage every year to keep pace with rising income.

Show inflation-adjusted value

Total value in 10 years

₹58,08,477

Invested₹30,00,000

Est. returns₹28,08,477

Wealth ratio

1.94×

Every unit invested grows to this.

Return share

48%

of the corpus comes from growth.

Read the complete SIP guide

Rupee-cost averaging

Investing a fixed amount every month buys more units when markets fall and fewer when they rise, smoothing your average cost over time.

The power of compounding

Returns earn their own returns. The longer you stay invested, the larger the share of your corpus that comes from growth rather than contributions.

Step-up to grow faster

Raising your monthly SIP with your salary — even by 10% a year — can dramatically increase your final corpus without straining your budget today.

This calculator provides estimates based on a constant assumed return and is for educational purposes only. Actual mutual fund returns are market-linked and not guaranteed.