How to use the SIP Calculator
- Choose SIP or lumpsum.
- Enter the amount, expected yearly return and number of years.
- Optionally add a yearly step-up.
About this tool
A SIP (Systematic Investment Plan) invests a fixed amount every month. Thanks to compounding, returns earn further returns, so time in the market matters more than the amount. A step-up increases your SIP each year (for example 10% when your salary rises), which can boost the final value a lot.
Frequently asked questions
What will ₹5,000 per month become in 10 years at 12%?
Roughly ₹11.6 lakh, of which ₹6 lakh is your investment and about ₹5.6 lakh is estimated returns.
Are SIP returns guaranteed?
No. Mutual fund returns depend on the market; this calculator uses a constant rate for illustration only.