SIP Calculator India

Guide

How it works

This SIP Calculator India page estimates how a fixed monthly investment can grow over time through compounding. It uses the monthly SIP amount, expected annual return, investment duration, and optional step-up percentage to estimate maturity value, invested amount, and wealth gain. The page is useful for retirement planning, wealth creation, child education planning, or any long-term goal where regular contributions matter more than one-time investing.

The calculator works month by month. Each contribution is added to the growing corpus and then compounded using the expected monthly return. If you use the step-up option, the SIP increases every year, which can reflect how many investors contribute more as income rises. This makes the output more realistic for career-based income growth. The Smart Insights highlight whether your return assumption is too aggressive, whether your time horizon is long enough, and whether a yearly step-up could improve the outcome without creating a large short-term burden.

Formula

Here, P is the monthly investment, r is the monthly return rate, and n is the total number of months.

Example

If you invest Rs. 10,000 every month for 15 years at an expected annual return of 12%, the maturity value can be much higher than the invested amount because each installment compounds for a different length of time. If you add a yearly step-up, the final corpus usually increases further because later contributions are also higher. That makes SIP planning useful not only for estimating growth, but also for deciding how much to invest today versus how much to increase later.