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
| Field | What to enter |
|---|---|
| Monthly investment | Amount in ₹ |
| Expected return (p.a.) | In % |
| Time period | In years |
| Yearly step-up | In % |
| Inflation | In % |
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 investment | Total value |
|---|---|
| 5,000 | 1,161,695.38 |
| 7,500 | 1,742,543.07 |
| 10,000 | 2,323,390.76 |
| 12,500 | 2,904,238.45 |
| 15,000 | 3,485,086.15 |
| 20,000 | 4,646,781.53 |
Formula
FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), i = annual return ÷ 12, n = monthsStep-up SIP: each year's SIP rises by the step-up percentageWorked 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.
Frequently asked questions
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.