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SIP calculator: what your monthly investment grows to
A SIP of ₹5,000 a month for 10 years at 12% grows to ₹11,61,695 — you invest ₹6,00,000 and earn ₹5,61,695. Change the amount, years and expected return; add a yearly step-up to see what raising your SIP with your salary does.
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Result
| Year | Total invested | Estimated returns | Maturity value |
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Popular SIP amounts
At 12% expected annual return, monthly compounding, investment at the start of each month. Mutual fund returns are not guaranteed.
Frequently asked
How is the SIP maturity amount calculated?
FV = P × [((1+r)^n − 1) / r] × (1+r), where P is the monthly amount, r the monthly rate (annual ÷ 12) and n the number of months — the same formula AMFI, Groww and Zerodha use.
What return should I assume?
12% is the common long-run assumption for equity funds; use 7–8% for debt funds and 10% to be conservative. The number is an estimate, not a promise.
What is a step-up SIP?
Increasing the SIP by a fixed percentage every year, usually with your salary hike. A 10% step-up on ₹5,000 for 10 years at 12% gives about ₹16.9 lakh instead of ₹11.6 lakh.