Plan Smart. Grow Wealth.

Calculate YourSIP Returns,Plan Your Future

Our advanced SIP calculator helps you estimate future returns, plan better and achieve your financial goals with confidence.

Small Steps TodayBig Wealth Tomorrow

Instant ResultsReal-time calculations

100% SecureYour data is private

Accurate ProjectionsPlan with confidence

Disciplined Investing

Invest a fixed amount regularly and stay financially disciplined.

Power of Compounding

Earn returns on your returns and grow your wealth exponentially.

Rupee Cost Averaging

Reduce the impact of market volatility by averaging your purchase cost.

Achieve Your Goals

Build wealth for a house, retirement, education and more.

The formula

How does the SIP calculator work?

The calculator applies the standard SIP compound interest formula, extended month by month so a step-up SIP is handled accurately:

M = P × [(1 + i)ⁿ − 1] / i × (1 + i)

M maturity amountP monthly investmenti monthly raten instalments

Monthly rate i = annual rate ÷ 12 ÷ 100. With step-up enabled, P increases each year and the calculator sums each year's contribution separately.

In goal mode, the same formula runs in reverse: given your target amount, return rate and tenure, it solves for the monthly SIP required to reach that target.

Income grows

Why step-up SIP matters

Most people's income rises every year, but their SIP amount often stays flat for a decade. A step-up SIP — say, increasing your monthly investment by 10% every year — keeps your investing in line with your earning capacity, and can build a meaningfully larger corpus than a flat SIP of the same starting amount without needing extra financial discipline beyond one annual review.

+10%

One annual review is enough

Raise SIP with salary hikes and let compounding do the heavy lifting.

Why SIP

Benefits of investing through SIP

01Rupee cost averaging
Investing a fixed amount every month buys more mutual fund units when prices fall and fewer when prices rise, smoothing out your average purchase cost.
02Power of compounding
The earlier and longer you stay invested, the more your returns start generating their own returns.
03Discipline without effort
An auto-debit each month builds an investing habit without requiring you to time the market.
04Flexible and accessible
Most SIPs can start with as little as ₹500 a month, and can be paused, increased or stopped anytime.

Frequently Asked Questions

What is a SIP calculator?

A SIP calculator is a free online tool that estimates how much your monthly mutual fund investments can grow over time, based on the amount you invest, expected return rate, and investment tenure.

How is SIP maturity amount calculated?

The calculator applies the standard SIP compound interest formula month by month. Each instalment is compounded at the monthly rate derived from your expected annual return, and step-up SIP increases the amount each year.

Is SIP calculator return guaranteed?

No. A SIP calculator only projects an estimate based on an assumed constant rate of return. Actual mutual fund returns depend on market performance and are never guaranteed.

What is a good SIP amount to start with?

Most mutual fund SIPs can start with as little as ₹500 per month. Choose an amount you can invest comfortably every month without affecting your essential expenses.

Is SIP better than a lumpsum investment?

SIP spreads your investment across time, which averages out purchase cost during market ups and downs. Lumpsum can generate higher returns in a rising market but carries more timing risk.

Start Your SIP Journey With Confidence

Join thousands of smart investors who are building their dream future.

Start Investing Now

This SIP calculator is for illustrative purposes only and does not constitute investment advice. Mutual fund investments are subject to market risk; please read all scheme-related documents carefully and consult a financial advisor before investing.