SIP Calculator — Mutual Fund SIP Returns

Your plan

Drag the sliders or type exact values.

Monthly investment ₹

Expected return (p.a.) %

Time period yrs

Stop investing after yrs

Contributions stop after this many years; the corpus keeps compounding to the full time period. Set equal to the time period to invest throughout.

Annual step-up %

Increase your SIP by this % every year as income grows.

Initial lump-sum ₹

Inflation (for real value) %

Projection

Projected Value
—

Total Invested

—

Wealth Gained

—

Inflation-Adjusted Value

—

Absolute Return

—

Formula: FV = P × [ (1+i)ⁿ − 1 ] ÷ i × (1+i), where i = monthly rate = return ÷ 12, n = months. Step-up raises the monthly amount each year. The Excel file rebuilds the entire schedule from your inputs — change any cell and it recalculates.

Year-by-year growth

Year	Monthly SIP (₹)	Invested in Year (₹)	Total Invested (₹)	Year-End Value (₹)	Wealth Gained (₹)

← All Calculators