SIP Calculator

Enter a monthly amount, an expected return and the years to see an estimate, not a promise.

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How to use it

  1. Enter the monthly amount you plan to invest.
  2. Enter an expected yearly return and the number of years.
  3. Add a yearly step-up if you will raise the amount, then read the estimate and the table.

Questions people ask

How is the SIP value calculated?
Each instalment goes in at the start of the month and the return compounds monthly at the yearly rate divided by 12. A Rs 5,000 monthly SIP for 10 years at 12% comes to about Rs 11.62 lakh on Rs 6 lakh invested.
Will my fund really give 12%?
Nobody knows. Equity fund returns swing widely from year to year and the past does not guarantee the future. Try 8%, 10% and 12% to see a range.
What is a step-up SIP?
You raise the monthly amount by a fixed percentage every year, for example with your salary. Even 5 to 10% a year makes a large difference over a decade.
Does the result include tax?
No. Capital gains tax, the fund's expense ratio and any exit load are not deducted. The result is before those.

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