SIP Calculator

Use this free SIP calculator to find out how much your monthly SIP could grow over time. Enter your monthly amount, an expected yearly return and the number of years. The calculator shows an illustrative result along with a year-by-year breakdown.

How this SIP calculator works

The result is before taxes, exit loads and fund expenses, so what you actually receive may be lower. It also does not allow for inflation, so a large figure many years from now will buy less than the same figure today.

What this calculator does not include

The result is before taxes, exit loads and fund expenses, and it does not allow for inflation. It also assumes you can afford each yearly increase. If your income does not grow as planned, a smaller step-up may be more realistic.

Frequently asked questions

What is a SIP?

A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund at regular intervals, usually every month. It builds the habit of investing regularly without trying to time the market.

Is the return shown guaranteed?

No. Mutual fund returns are market-linked and can be higher or lower than the rate you enter. Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Mutual fund investments are subject to market risks. Learn more about mutual funds on the AMFI investor awareness site.

What return should I enter?

There is no single right answer. It is sensible to try a few rates, for example a lower, a middle and a higher one, and see how much the result changes. We would be glad to talk through realistic assumptions for your goal.

What if I increase my SIP every year?

Use our Step-up SIP calculator to see the difference.