Calculator
SIP calculator
How big can a monthly SIP grow? Drag the sliders — results update live.
New to SIPs? Read the guide.
Total ₹23.00 L (₹12.00 L invested + ₹11.00 L gains)
Hover any bar for the yearly breakup. Projection only, not a prediction. Actual mutual-fund returns vary; equity SIPs have delivered ~10–14% over long periods historically, with significant volatility.
What this calculator answers
₹10,000 a month at 12% for 10 years grows to about ₹23,00,387 — ₹12,00,000 invested and ₹11,00,387 of gains. Add an annual step-up to see what raising the instalment every year does.
How it is calculated
Each monthly instalment is credited to the balance and the balance grows at one-twelfth of the annual rate every month, so the projection compounds monthly. The step-up raises the instalment once a year by the percentage you set.
A steady return is assumed for the whole period and the instalment stays fixed unless a step-up is set. Real funds move up and down, so treat the result as a scenario.
Common questions
Does the calculator assume I invest at the start or the end of the month?
The balance grows at one-twelfth of the annual rate each month and the instalment is credited month by month, so the final instalment earns nothing within the period — the same convention used across the SIP projections on this site.
What does the step-up do?
It increases the monthly instalment by your chosen percentage at the end of each year, so a 10% step-up turns ₹10,000 into ₹11,000 in year two. Over long periods a small step-up compounds.
Is 12% a realistic assumption?
12% is a long-run equity planning figure, not a promise. The slider runs lower and higher so you can see how sensitive the result is.
Source & freshness
- Source
- Deterministic formula in lib/calculators.ts
- Timeliness
- Static-verified
- Method
- calculated
- Note
- Illustrative projection from your inputs — not a market quote.