How do I use the SIP calculator?

1. Choose your mode: Select SIP for recurring monthly investments or Lump Sum for a single one-time investment. Enable step-up if you plan to raise your SIP by a fixed percentage every year. 2. Enter your investment amount: For a SIP, this is the amount you invest every month. For a lump sum, it is the total you invest upfront. 3. Set the expected annual return: Enter the return you expect from the fund, in percent per year. Diversified equity funds in India have historically delivered around 12% per annum over long horizons, though this is not assured. 4. Choose the investment duration: Set how many years you will stay invested. Longer horizons give compounding more time to work, which is where most of an SIP's growth comes from. 5. Review the projection: See your total invested, projected returns, and final corpus, along with a year-by-year breakdown. Use Share to save the scenario or send it to someone.

What is SIP (Systematic Investment Plan)?

SIP is a method of investing a fixed amount regularly (usually monthly) in mutual funds. It helps you build wealth over time through rupee cost averaging and the power of compounding.

What is a step-up SIP?

A step-up SIP (also called a top-up SIP) is where you increase your monthly investment by a fixed percentage every year. For example, if you start with ₹10,000/month and set a 10% step-up, your SIP becomes ₹11,000 in year 2, ₹12,100 in year 3, and so on. This helps your investments grow in line with your income.

What is the difference between SIP and lump sum investing?

In SIP, you invest a fixed amount periodically (monthly), which averages out market volatility (rupee cost averaging). In lump sum, you invest the entire amount at once. SIP is generally recommended for salaried individuals, while lump sum can work well when markets are at a low point.

Are the returns shown guaranteed?

No. This calculator shows estimated returns based on the expected annual return rate you enter. Actual mutual fund returns depend on market conditions and can vary significantly. Historical average returns for equity mutual funds in India have been 12-15% p.a. over long periods, but past performance doesn't guarantee future returns.

How much should I invest in SIP?

A common guideline is to invest at least 20-30% of your monthly income. Start with an amount you're comfortable with and increase it annually (use the step-up feature). The key is consistency. Even small amounts grow significantly over long periods thanks to compounding.

Tools/

SIP & Lumpsum Calculator

Calculate how your investments grow over time with the power of compounding.

Monthly SIP Amount

₹500₹10,00,000

Expected Annual Return

0%30%

Investment Duration

1 Yr40 Yrs

Total Projected Value

₹23.2 L

in 10 years at 12% p.a.

Invested

₹12 L

Returns

₹11.2 L

Gain

94%

Growth Over Time

Year-by-Year Breakdown

Year	Invested	Value	Returns
1 year	₹1,20,000	₹1,28,093	₹8,093
2 years	₹2,40,000	₹2,72,432	₹32,432
3 years	₹3,60,000	₹4,35,076	₹75,076
4 years	₹4,80,000	₹6,18,348	₹1,38,348
5 years	₹6,00,000	₹8,24,864	₹2,24,864
6 years	₹7,20,000	₹10,57,570	₹3,37,570
7 years	₹8,40,000	₹13,19,790	₹4,79,790
8 years	₹9,60,000	₹16,15,266	₹6,55,266
9 years	₹10,80,000	₹19,48,215	₹8,68,215
10 years	₹12,00,000	₹23,23,391	₹11,23,391

About the SIP calculator

A Systematic Investment Plan (SIP) lets you invest a fixed amount in mutual funds at regular intervals, usually every month, rather than committing a lump sum upfront. This calculator projects how those contributions could grow over time, so you can weigh the trade-off between how much you invest, the return you assume, and how long you stay invested.

Use it three ways: a standard monthly SIP, a one-time lump sum, or a step-up SIP where your contribution rises by a fixed percentage each year to keep pace with your income. Each mode charts your invested amount against projected returns, year by year.

The projection is an estimate, not a guarantee. Actual mutual fund returns vary with market conditions. The calculator applies the expected annual return you enter at a constant rate, which is useful for planning but will not match real-world performance month to month.

Frequently Asked Questions

Choose your mode
Select SIP for recurring monthly investments or Lump Sum for a single one-time investment. Enable step-up if you plan to raise your SIP by a fixed percentage every year.
Enter your investment amount
For a SIP, this is the amount you invest every month. For a lump sum, it is the total you invest upfront.
Set the expected annual return
Enter the return you expect from the fund, in percent per year. Diversified equity funds in India have historically delivered around 12% per annum over long horizons, though this is not assured.
Choose the investment duration
Set how many years you will stay invested. Longer horizons give compounding more time to work, which is where most of an SIP's growth comes from.
Review the projection
See your total invested, projected returns, and final corpus, along with a year-by-year breakdown. Use Share to save the scenario or send it to someone.

FV = P × [ ((1 + r)ⁿ − 1) / r ] × (1 + r)

FV is the future value, or final corpus
P is your monthly SIP amount
r is the monthly rate of return (annual rate ÷ 12, as a decimal)
n is the total number of monthly instalments (years × 12)

For a lump sum, the simpler compounding formula applies: FV = P × (1 + r)ⁿ, where r is the annual rate and n is the number of years. The two legs follow different conventions: SIP instalments compound monthly at the annual rate ÷ 12, the AMFI-style convention, while a lump sum compounds annually, so a 12% assumption is 12.68% effective for the SIP leg and 12% for the lump sum. A step-up SIP recalculates each year's instalment after applying the annual increase, then compounds every contribution to maturity.

A worked example

Suppose you invest ₹10,000 every month for 15 years and assume a 12% annual return.

Monthly SIP amount: ₹10,000
Duration: 15 years (180 instalments)
Expected return: 12% p.a.
Total invested: ₹18,00,000
Estimated returns: ₹32,45,760
Projected corpus: ₹50,45,760

You contribute ₹18 lakh over 15 years, but compounding adds roughly ₹32 lakh more, turning your investment into a projected ₹50.5 lakh corpus. The longer you stay invested, the wider this gap grows.

Returns are assumed to be constant. Real fund returns fluctuate and can be negative in any given year, especially over short horizons.
The projection is shown before costs and tax. Expense ratios reduce returns, and equity gains above ₹1.25 lakh a year are taxed at 12.5% as long-term capital gains once held beyond a year.
Inflation erodes purchasing power. A ₹50 lakh corpus 15 years from now will buy less than ₹50 lakh does today, so plan goals in inflation-adjusted terms.
Step-up SIPs are a simple way to grow contributions with your income and can materially increase your final corpus versus a flat SIP.

Track your real SIPs, not projections

Import your mutual fund statement and Finest shows every SIP's actual value and allocation, updated automatically.

Track your real SIPs

SIP & Lumpsum Calculator

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Growth Over Time

About the SIP calculator

Frequently Asked Questions

Track your real SIPs, not projections

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