Free Online SIP Calculator
Project mutual fund SIP returns with monthly investments and step-ups.
Contributions are assumed at the start of each month. The step-up raises your monthly amount once a year.
Market returns are not guaranteed. This projection assumes a constant return and no taxes or exit loads.
Year-by-year growth
| Year | Monthly SIP | Invested so far | Value at year end | Gain |
|---|
About the SIP Calculator
A systematic investment plan (SIP) lets you invest a fixed amount at regular intervals, usually every month, instead of committing a lump sum at once. This calculator projects how those monthly contributions can grow over time at a chosen rate of return. It also supports an annual step-up, which raises your monthly contribution by a fixed percentage each year as your income grows.
How the projection works
Each month the calculator adds your contribution to the running balance and then applies one month of growth using the annual return divided by twelve. Because the contribution is added before growth is applied, the model behaves like a beginning-of-month annuity. When a step-up is set, the monthly amount increases at the end of each year, so later contributions do more of the heavy lifting. The result is a future value before tax, exit loads, or expense ratios.
The yearly table separates your own money from investment growth. The "invested so far" column is the sum of every contribution you made, while the "gain" column is the difference between the portfolio value and the money you put in. Early on, most of the balance comes from contributions; over long periods, compounding can become the larger contributor.
How to use this calculator
- Enter the amount you can invest every month.
- Set a realistic long-term annual return, then choose how many years you will stay invested.
- Add an annual step-up if you plan to increase your contribution each year.
- Pick your currency and review the future value, invested amount, and yearly growth table.
Frequently asked questions
Is a 12% return realistic?
Long-term stock market returns have historically varied widely by country and period. Twelve percent is a common illustration, not a promise. Try several rates to see how sensitive the result is.
Why is the future value higher than invested amount × months?
Because each contribution earns returns for the remaining months. Money invested earlier compounds for longer, which is why starting early matters more than timing the market.
Does the calculator account for inflation?
No. The future value is shown in nominal terms. To judge purchasing power, reduce the return by your expected inflation rate or compare the result with an inflation calculator.