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SIP Calculator

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SIP calculator: estimate your mutual fund returns

A systematic investment plan (SIP) invests a fixed amount every month. This calculator estimates the total invested, estimated returns and final value for a monthly amount, an expected annual return and a time period. Add a yearly step-up to model raising your instalment as your income grows.

How the SIP calculator works

Enter the monthly investment you plan to make.
Set the expected annual return (a long-term estimate, not a promise).
Choose the time period in years and an optional yearly step-up.
Read the result: total invested, estimated returns, final value and a year-by-year table.
Real-World Example

Calculation In Practice

Who uses a SIP calculator

1
Goal planning: See how a monthly amount grows toward a target such as education or a home.
2
Comparing amounts: Test 5,000 against 7,500 a month over the same period.
3
Step-up planning: Model a 10% yearly increase in your instalment.

Frequently Asked Questions

What formula does the SIP calculator use?

Each instalment is invested at the start of the month and compounds monthly at the annual rate divided by 12. With a step-up, the instalment rises once a year.

Are the returns guaranteed?

No. Market-linked returns vary. The result is an estimate based on the rate you enter.

What is a step-up SIP?

A step-up SIP increases your monthly instalment by a set percentage each year.

Author Spotlight

The ToolsACE Team - ToolsACE.io Team

The ToolsACE Team

Last reviewed October 2026

Our finance tools team builds transparent calculators with the formula shown, so you can check every number.

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Disclaimer

Projections are estimates based on the inputs you provide and are not financial advice or a guarantee of returns.