SIP Calculator
Future value of a monthly investment plan, with optional annual step-up.
Your result appears here
Fill in the fields on the left and press Calculate. The answer, the breakdown and a copy button all land in this card.
How it is calculated
FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i)
P is the monthly instalment, i is the monthly return (annual ÷ 12 ÷ 100) and n is the number of instalments. With a step-up, each year is compounded separately and added up.
Worked example
₹5,000 a month for 10 years at 12% means you invest ₹6,00,000 and end with about ₹11,61,695 — roughly ₹5,61,695 of estimated gains.
Questions people ask
No. Market-linked investments do not promise returns. The percentage you enter is an assumption, so try a pessimistic figure too and see how the outcome changes.
It raises your instalment by a fixed percentage each year, usually in line with your salary. Even a 10% annual step-up changes the final corpus dramatically over long periods.
Usually yes, and the rate depends on the fund type and how long you held the units. The figure here is before tax and before any exit load.