SIP कैलकुलेटर
SIP calculator (with yearly step-up)
See what a monthly SIP can grow into, and how much difference a yearly increase makes.
Runs in your browser · nothing uploaded
Estimated value
₹23.23 L
You invest
₹12.00 L
Estimated gains
₹11.23 L
| Year | Invested | Value |
|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹23,23,391 |
Assumes each instalment is invested at the start of the month and compounds monthly. Market returns vary; this is an estimate, not a guarantee.
How to use it
- 01Enter your monthly SIP amount.
- 02Set expected yearly return and years.
- 03Optionally add a yearly step-up to see its effect.
₹10,000/month · 12% · 10 years
≈ ₹23.2 lakh from ₹12 lakh invested
About this tool
A SIP (Systematic Investment Plan) invests a fixed amount every month. The calculator assumes each instalment is invested at the start of the month and compounds monthly at your expected yearly return, the same method AMFI, SEBI's investor site and most fund houses use.
Step-up raises your SIP once a year (for example 10% when your salary rises). Even a small step-up changes the final amount a lot, because the extra money has many years to compound.
Returns from equity funds aren't guaranteed and vary year to year. Treat the result as an estimate, not a promise.
हिंदी में मदद
SIP में हर महीने एक तय रकम निवेश होती है। यह कैलकुलेटर बताता है कि अनुमानित सालाना रिटर्न पर आपका पैसा कितना बढ़ सकता है, और हर साल SIP बढ़ाने (स्टेप-अप) से कितना फ़र्क पड़ता है। रिटर्न की गारंटी नहीं होती।
Questions
What return should I assume?
Many planners use 10–12% for long-term equity funds and 6–7% for debt funds. Past returns don't guarantee future returns, so try a cautious number too.
What is a step-up SIP?
Increasing the SIP by a fixed percentage every year, usually in line with salary hikes. It's one of the simplest ways to reach a larger goal.
Is SIP return taxed?
Equity fund gains above ₹1.25 lakh a year are taxed at 12.5% if held over a year (LTCG); gains within a year at 20% (STCG). This calculator shows pre-tax values.