Start with a monthly amount
Choose an amount that fits your budget and the financial goal you are planning for. Regular contributions help structure your investment habit.
Build your SIP scenario
Change the values to see your estimate update instantly.
₹
₹500₹1,00,000
The amount you plan to invest each month.
years
1 year40 years
How long you intend to continue investing.
% p.a.
1%30%
An assumption for calculation—not a promised or guaranteed return.
Advanced planning options
Annual SIP step-upIncrease your monthly contribution each year.
%
1%30%
Show inflation-adjusted valueEstimate what the future amount may be worth in today's money.
% p.a.
0%12%
Understand the estimate
How does a SIP calculator work?
A SIP calculator estimates the potential future value of regular investments using an assumed rate of return. Actual outcomes can be higher or lower.
Give your investment time
The investment period affects how long contributions can potentially compound. Longer periods can also mean greater exposure to market ups and downs.
Explore assumptions
Try different return assumptions and an optional annual SIP step-up to compare scenarios. Treat results as illustrations, not forecasts.
The calculation behind the estimate
This tool models monthly contributions with monthly compounding, and optionally increases the monthly SIP at each investment-year boundary.
FV = Σ [ SIPm × (1 + rm)months remaining ]
Frequently asked questions
Is the SIP return guaranteed?
No. The return entered here is an assumption used for illustration. Mutual fund returns depend on market conditions and the fund's performance; the final value may differ significantly.
What is a SIP step-up?
A step-up SIP increases the regular contribution periodically, commonly once a year. In this calculator, the contribution increases by the selected percentage at each new investment year.
What does inflation-adjusted value mean?
It discounts the estimated future corpus by the assumed inflation rate to express an approximate value in today's rupees. Actual inflation and purchasing power can differ.
Should I use this result to choose a fund?
No. This is a planning calculator, not investment advice or a fund recommendation. Consider your goals, risk tolerance, time horizon, costs and official scheme documents before investing.