SIP Calculator
See how a monthly SIP can grow, with yearly step-up, inflation-adjusted value, year-by-year growth and SIP vs lumpsum comparison.
| Year | Invested | Value | Returns |
|---|
| Monthly SIP | Invested | Returns | Total Value |
|---|
Returns are estimates based on a fixed assumed return; actual mutual fund returns are market-linked and not guaranteed. Lumpsum value assumes the full amount is invested on day one and compounds annually at the same rate. Inflation-adjusted value divides the total by inflation over the same period, giving an approximate value in today’s money.
What is SIP Calculator?
SIP Calculator is a free online calculator that calculate how a monthly SIP investment can grow over time. Enter your numbers, and it instantly shows the full breakup, with no sign-up, no app, and everything working right in your browser. It also shows a colourful chart of the breakup, so you can see at a glance how much is your own money and how much is growth or interest.
You can change any value to compare scenarios side by side, which makes it easy to plan before you commit to a real decision.
Key Features
- Instant results, with the full breakup shown on page load
- A colourful donut chart showing invested money versus returns
- Annual step-up mode: raise your SIP every year and compare with and without step-up
- Year-by-year growth table showing invested, value and returns for every year
- Inflation-adjusted value showing what the total is worth in today's money
- SIP vs lumpsum comparison for the same invested amount and return
- Comparison across monthly amounts (₹1,000, ₹5,000, ₹10,000, ₹25,000) at the same return and tenure
- Standard SIP maths, simulated month by month, so the figures are transparent
- Free, no sign-up, works on mobile and desktop
How to Use SIP Calculator
- Enter your values in the fields shown on the page.
- Tap Calculate, or just change a value, since most calculators update automatically.
- Read the result cards and the donut chart.
- Adjust the values to compare different scenarios.
How to Read the Result
Start with the headline numbers, then look at the breakup: your own contribution versus the growth or interest on top of it. The chart makes the split obvious, and changing one input at a time shows you exactly which factor moves the result most.
Frequently Asked Questions
Is this calculator free?
Yes. It is completely free, with no sign-up and no hidden charges.
Are the results exact?
The results use standard formulas and the values you enter. Actual bank or scheme results can differ slightly because of rounding and official rules.
Do I need to sign up?
No. Everything works directly in your browser, with no account needed.
How do SIP returns actually grow?
A SIP Calculator shows growth from two forces: your own monthly deposits, and compounding on everything already invested. Early on, deposits dominate the total, because there is little invested yet to compound. Later, returns take over, which is why the same monthly amount produces a much larger total over 15 or 20 years than over 5. The SIP Calculator donut chart makes this visible: one slice is what you put in, the other is what compounding added. With the default example of 5,000 rupees a month at 12 percent for 10 years, the SIP Calculator shows 6,00,000 rupees invested, 5,61,695 rupees in returns, and a total of 11,61,695 rupees.
Use the SIP Calculator to test trade-offs, not to predict exact outcomes. A higher monthly amount beats a higher assumed return in most realistic cases, because the amount is under your control while returns are not. The SIP Calculator also helps answer the common question of starting late: try the same amount over 10 years versus 20 years and compare the totals before deciding. For investor education from the market regulator, see the SEBI investor education portal.
Are SIP returns guaranteed?
No. A SIP Calculator assumes a steady return for illustration, but real market returns vary year to year. Treat the projection as a planning aid, not a promise, and review the plan when your income or goals change.
