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SIP Calculator

Future value of a monthly SIP with optional yearly step-up. See invested amount vs returns year by year.

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Your SIP
$
% per year

Optional. Raise the monthly amount every year, like a salary increase.

$

Optional.

% per year
years
% per year

Shows what the final amount is worth in today's money.

Value after 10 years
$23,234
You put in
$12,000
Growth
$11,234
Money multiplied
1.94×
Doubles every
5.8 years
Total$23.2K
  • Invested$12,00052%
  • Growth$11,23448%
Time is the biggest lever

Stay in for 15 years instead of 10 and the value becomes $50,458, that is $27,224 more for only $6,000 extra invested.

Every percent counts

One percent more, 13.0% instead of 12%, adds $1,434 over 10 years. Fees and fund choice matter about that much.Tip: a 10% yearly step-up would give $33,743.

Growth over time
ValueInvestedHover for any year
yr 3yr 5yr 8yr 10
Compare scenariosSave this one, change a number, save again
Year by year10 years
YearInvested so farGrowth this yearValue
1$1,200+$81$1,281
2$2,400+$243$2,724
3$3,600+$426$4,351
4$4,800+$633$6,183
5$6,000+$865$8,249

Returns are not guaranteed. Figures are estimates before tax and fees, rounded for display.

How SIP returns are calculated

A Systematic Investment Plan puts a fixed amount into a mutual fund every month. The value at the end is M × [(1 + i)^n − 1] ÷ i × (1 + i), where M is the monthly amount, i the monthly return (annual ÷ 12) and n the number of months. Each instalment grows for a different length of time, which is why the total invested and the final value look so far apart after ten or fifteen years.

Step-up SIP

Raising the monthly amount every year, say by 10% along with your salary, has an outsized effect because the increases arrive while the fund still has years to grow. Turn on the step-up field to see the difference; over 15 years it often doubles the final value.

What return to expect

Equity funds in India have historically delivered 10–14% a year over long periods, debt funds 6–8%, but returns are not guaranteed and vary widely year to year. Use a conservative rate for planning and treat the result as an estimate, not a promise. Expense ratios and exit loads reduce the actual return.

Taxes

Gains on equity funds held over a year are taxed as long-term capital gains above an annual exemption; short-term gains are taxed higher. The figures here are before tax.

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