About this tool
A SIP invests a fixed amount every month, so each instalment compounds for a different length of time. Add a yearly step-up to model increasing your SIP as your income grows.
Making sense of your SIP projection
A SIP projection is a picture of what steady investing can do, not a promise. The calculator assumes the same return every year, while real markets move up and down. That gap does not make the estimate useless. It simply means you should treat the result as a likely range rather than an exact figure, and test a few return rates instead of relying on one.
The biggest driver of the final amount is time. At an assumed 12% a year, ₹10,000 a month grows to roughly ₹23 lakh in ten years but close to ₹1 crore in twenty. You invest twice as much money over twenty years, yet the corpus grows more than four times, because the early instalments keep compounding for longer. Starting a few years earlier often matters more than finding a slightly better fund.
The step-up option is worth using. Most people's incomes rise over time, and increasing the SIP by even 5 or 10 percent each year can lift the final value sharply without feeling painful. Try your current amount with and without a step-up to see the difference. When you choose a return rate, be conservative. Equity funds have delivered strong long-term returns in India, but a lower assumption protects you from planning around a number that may not arrive. If the projection falls short of your goal, raising the monthly amount or extending the period is more reliable than hoping for higher returns. Review the plan once a year rather than every time the market moves.
How to use it
- Enter your numbers in the boxes, or drag the sliders.
- Read the result on the right. It updates as you type.
- Open the year-by-year table, if shown, to see how the numbers change over time.
- Use 'Copy link with these values' to save the calculation or send it to someone.
Questions
What return should I assume for a SIP?
Returns are not guaranteed. Long-run Indian equity fund averages have been around 10–12% a year, but past returns do not predict future ones, so try a few rates.
How is SIP maturity calculated?
FV = P × ((1+i)^n − 1) ÷ i × (1+i), where P is the monthly amount, i the monthly return and n the number of months. With a step-up, the calculator adds each year's higher instalments month by month.
Last reviewed 16 October 2026. Results are estimates for planning. Check important figures with your bank, employer or a qualified adviser.