# SIP Calculator — Systematic Investment Plan

URL: https://speedycalculator.com/calculators/finance/sip/
Last updated: 2026-10-25

> The SIP calculator works out the future value of a monthly SIP in mutual funds – with an optional yearly step-up – the total invested, the estimated returns and the value in today's money.

## Inputs

- Monthly investment
- Expected return (p.a.) (%)
- Time period (years)
- Yearly step-up (%)
- Inflation (%)

## Results

- Invested amount
- Total value
- Estimated returns
- Total value in today's money

## Formula

```
FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), i = annual return ÷ 12, n = months
Step-up SIP: each year's SIP rises by the step-up percentage
```

## Explanation

Rupee-cost averaging means an SIP buys more units when prices are low. Staying invested for 10+ years has historically smoothed out market swings. Returns are not guaranteed.

### How to use the SIP Calculator — Systematic Investment Plan

- **Monthly investment**
- **Expected return (p.a.)**
- **Time period**
- **Yearly step-up**
- **Inflation**

Results update as you type, and every field accepts the units shown in its menu.

### How it works

Enter the monthly investment, expected return, period, yearly step-up and inflation.

### Tips

- Figures use the latest published rates; government scheme rates are revised every quarter.
- Choose between the old and new tax regimes carefully – deductions only count in the old regime.
- Keep proofs of investments and rent for your employer and the tax return.
- Use the official portal of each scheme for exact maturity values.

### Common mistakes to avoid

- Assuming scheme interest rates are fixed for the whole term.
- Forgetting tax on interest from fixed and recurring deposits.
- Missing the yearly minimum deposit on PPF or Sukanya Samriddhi accounts.

### Inputs explained

FieldWhat to enterMonthly investmentAmount in ₹Expected return (p.a.)In %Time periodIn yearsYearly step-upIn %InflationIn %

### What each result means

- **Total value** = [Monthly investment]×fvc([Expected return (p.a.)]÷1200, 12, 0, 1, 1)×gfv((1 + [Expected return (p.a.)]÷1200)^12 - 1, [Time period], 1, [Yearly step-up]÷100, 0)
- **Estimated returns** = [Total value] - [Invested amount]
- **Total value in today's money** = [Total value]÷(1 + [Inflation]÷100)^[Time period]

### Example values

How the main result changes when **Monthly investment** changes and everything else stays at the example values above:

Monthly investmentTotal value5,0001,161,695.387,5001,742,543.0710,0002,323,390.7612,5002,904,238.4515,0003,485,086.1520,0004,646,781.53

## Worked example

Inputs — Monthly investment: ₹10,000; Expected return (p.a.): 12 %; Time period: 10 years; Yearly step-up: 0 %; Inflation: 5 %.

Results — Invested amount = ₹1,200,000.00; **Total value = ₹2,323,390.76**; Estimated returns = ₹1,123,390.76; Total value in today's money = ₹1,426,360.38.

## FAQ

**How much will ₹10,000 a month grow to in 10 years?**
About ₹23.2 lakh at 12% a year.

**What is a step-up SIP?**
A SIP that increases every year, usually with your salary.

**Can I stop an SIP anytime?**
Yes – except ELSS units, which are locked in for 3 years.

**What formula does the SIP Calculator — Systematic Investment Plan use?**
FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), i = annual return ÷ 12, n = months.


## Sources

- [AMFI – Mutual funds](https://www.amfiindia.com/)