Estimated total value
₹50,45,760
- Invested amount
- ₹18,00,000
- Estimated returns
- ₹32,45,760
Growth over time
Projected portfolio value by year.
This calculator provides estimates only and is not financial advice. Investment returns are not guaranteed and depend on market performance.
About the SIP calculator
A Systematic Investment Plan (SIP) lets you invest a fixed amount at regular intervals. This calculator estimates the future value of your SIP based on your monthly contribution, expected annual return, and investment period, with an optional annual step-up.
The growth chart shows how compounding builds your portfolio value over time. Adjust the inputs to compare different scenarios.
Frequently asked questions
- How is the SIP future value calculated?
- It uses FV = P × [((1+i)^n − 1) ÷ i] × (1+i), where P is the monthly investment, i is the monthly rate (annual return ÷ 12 ÷ 100), and n is the number of months. The step-up option increases your monthly contribution each year.
- What is a step-up SIP?
- A step-up (or top-up) SIP increases your monthly contribution by a fixed percentage every year, helping your investment grow with your income.
- Are the returns guaranteed?
- No. The expected return is an assumption you choose. Actual market returns vary and are not guaranteed.