Friendly Toolkit
SIP Calculator
What will my SIP grow to?
Estimate what a monthly SIP or a lumpsum could grow to, with yearly step-up and inflation.
Free, private, no sign-up
Was this tool helpful?
Suggest an improvementHow SIP returns are estimated
FV = P × ((1 + i)n − 1) ÷ i × (1 + i)
P is your monthly investment, i the expected yearly return ÷ 12 and n the number of months. Each instalment is invested at the start of the month. ₹5,000 a month at 12% for 10 years is estimated at ₹11,61,695 on ₹6,00,000 invested.
Good to know
What is a step-up SIP?
You raise your SIP by a fixed percentage every year, often in line with your salary. Even a 10% step-up makes a big difference over long periods.
Are these returns guaranteed?
No. Mutual fund returns depend on the market and vary every year. The calculator assumes a constant return for illustration, before tax, exit loads and expense ratios.
Why show the value in today's money?
Prices rise over time. At 6% inflation, ₹10 lakh in 10 years buys what about ₹5.6 lakh buys today.