Investing

SIP & Mutual Fund Calculator

Model SIP, lump sum, and step-up investing with year-by-year projections.

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.

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.

How are SIP returns calculated?

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

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. A step-up SIP recalculates each year's instalment after applying the annual increase, then compounds every contribution to maturity.