Calculators
SIP Calculator
Enter a monthly amount, an expected yearly return and a period to see the estimated value, what you put in and the gains. Switch to Lumpsum for a one-time investment.
Settings
Estimated value after 10 years
₹23,23,391
about 23.23 lakh
- Invested
- ₹12,00,000
- Estimated gains
- ₹11,23,391
Year
Year-by-year table
| Year | Monthly SIP | Invested | Gains | Value |
|---|---|---|---|---|
| 1 | ₹10,000 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| 2 | ₹10,000 | ₹2,40,000 | ₹32,432 | ₹2,72,432 |
| 3 | ₹10,000 | ₹3,60,000 | ₹75,076 | ₹4,35,076 |
| 4 | ₹10,000 | ₹4,80,000 | ₹1,38,348 | ₹6,18,348 |
| 5 | ₹10,000 | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 |
| 6 | ₹10,000 | ₹7,20,000 | ₹3,37,570 | ₹10,57,570 |
| 7 | ₹10,000 | ₹8,40,000 | ₹4,79,790 | ₹13,19,790 |
| 8 | ₹10,000 | ₹9,60,000 | ₹6,55,266 | ₹16,15,266 |
| 9 | ₹10,000 | ₹10,80,000 | ₹8,68,215 | ₹19,48,215 |
| 10 | ₹10,000 | ₹12,00,000 | ₹11,23,391 | ₹23,23,391 |
Formula: FV = P × [((1 + i)n − 1) ÷ i] × (1 + i), with i = annual return ÷ 12 and n = months. Each instalment is invested at the start of the month, as in the AMFI investor-education calculator.
Mutual fund returns are market-linked and not guaranteed; a constant yearly return is a simplification. The figures ignore taxes, exit loads, stamp duty and the fund’s expense ratio (which is already inside a fund’s reported returns). This is an estimate, not investment advice.
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Frequently asked questions
What formula does this SIP calculator use?
FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the monthly instalment, i is the annual return divided by 12, and n is the number of months. This is the formula shown by AMFI’s investor-education site, Mutual Funds Sahi Hai. For example, ₹5,000 a month for 7 years at 12% gives about ₹6.60 lakh on ₹4.20 lakh invested.
Why is the result different from another SIP calculator?
Mostly because of the monthly rate. Dividing 12% by 12 gives 1% a month, which compounds to about 12.68% a year. Some platforms instead use the monthly rate that compounds to exactly 12% (about 0.949%), which gives a lower figure: ₹1,000 a month for 5 years is about ₹82,486 with 1% and about ₹81,104 with 0.949%. You can switch between the two under Settings. Whether instalments are counted at the start or end of the month also moves the result slightly; this tool counts them at the start.
How does the step-up SIP work?
The instalment stays the same for 12 months, then rises by the step-up percentage, and so on each year. With ₹10,000 a month and a 10% step-up, you pay ₹10,000 a month in year 1, ₹11,000 in year 2 and ₹12,100 in year 3. The table shows the monthly amount for every year.
Is the estimated return guaranteed?
No. Mutual fund returns are market-linked, go up and down from year to year, and can be negative. The calculator applies one constant rate to every month, which real markets never do. Treat the figure as an illustration of what a steady rate would produce, not a forecast.
Are taxes, exit loads and expense ratios included?
No. The result is before capital gains tax, exit loads and stamp duty. A fund’s expense ratio is deducted inside its net asset value, so if you use a fund’s past returns as your assumption, that cost is already reflected; if you use a market index return, subtract the expense ratio yourself.
How is the lumpsum value calculated?
A = P × (1 + r)^years, compounded once a year. For example, ₹1,00,000 at 12% for 10 years grows to about ₹3,10,585.
About this tool
This SIP calculator estimates the future value of a systematic investment plan, where you invest a fixed amount in a mutual fund every month. Enter the monthly amount, the yearly return you expect and the number of years, and it shows the estimated value, the total you invested and the estimated gains, with a year-by-year bar chart and table. Amounts are shown in the Indian format (lakh and crore) by default, and you can switch to international grouping.
The calculation follows the formula published on AMFI’s investor-education site, Mutual Funds Sahi Hai (checked 24 September 2026): FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i), with i = annual return ÷ 12. The final (1 + i) means each instalment is invested at the start of its month and earns that month’s return. Some platforms, such as ET Money and Groww, instead use the monthly rate that compounds to the annual figure, (1 + annual)^(1/12) − 1. That convention is available under Settings; it reproduces ET Money’s published example of ₹1,000 a month for 5 years at 12% giving about ₹81,104.
A step-up SIP raises the instalment by a fixed percentage every 12 months, which is how many investors keep their SIP in line with a rising salary. The calculator works month by month, adding each instalment and then applying the month’s return, so a step-up of 0% gives exactly the same result as the formula above. Lumpsum mode compounds a single investment once a year: A = P × (1 + r)^years.
These are illustrations, not predictions. Mutual fund investments are subject to market risk, returns vary from year to year and are not guaranteed, and the result ignores capital gains tax, exit loads, stamp duty and inflation. Nothing here is a recommendation to buy any fund. Everything is calculated in your browser; the amounts you enter are not sent anywhere.