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SIP Calculator

Estimate the future value of a monthly SIP in mutual funds, with an optional yearly step-up.

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How to use the SIP Calculator

  1. 1

    Enter the monthly investment, expected annual return and investment period.

  2. 2

    Optionally add a yearly step-up to increase the instalment each year.

  3. 3

    See the amount invested, the estimated returns and a year-by-year table.

Frequently asked questions

How is the SIP value calculated?

Each instalment is invested at the start of the month and grows at the monthly rate r ÷ 12: FV = P × ((1 + i)^n − 1) ÷ i × (1 + i).

What is a step-up SIP?

A step-up SIP increases the monthly amount by a fixed percentage every year, for example as your income grows.

Are the returns guaranteed?

No. Mutual fund returns vary with the market. Results are estimates for planning only and are not financial advice.