Calculate the future value of your monthly Systematic Investment Plan (SIP). Enter your monthly investment, expected annual return and investment period to see your total invested amount, estimated returns and total value — with live results in Indian ₹ formatting.
Stacked areas show invested (bottom) and returns (top); the upper edge equals your total value. Hover or tap the chart for year-by-year figures.
| Year | Invested This Year | Total Invested | Estimated Value | Estimated Returns |
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A step-up SIP increases your monthly investment by a fixed percentage every year — matching salary growth. It uses the same monthly investment, return and period as the main calculator above.
| Year | Monthly SIP | Invested This Year | Total Invested | Estimated Value |
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The SIP side reuses your monthly investment, period and return above. The lump sum uses the amount entered here with the same period and return, compounded monthly.
Inflation-adjusted value = Future Value ÷ (1 + inflation)years. This estimates what your future corpus could buy in today's money. It does not predict actual inflation, which varies year to year.
A Systematic Investment Plan (SIP) is a way of investing a fixed amount into a mutual fund at regular intervals — usually every month. Instead of investing a large sum all at once, a SIP lets you spread your investments over time, which helps you stay consistent, average out market fluctuations, and build wealth gradually without needing a large lump sum.
Every month you contribute a fixed amount to your chosen mutual fund. Each contribution buys units at the prevailing price, so you automatically buy more units when prices are low and fewer when prices are high — an effect known as rupee-cost averaging. Over time, the returns earned on your accumulated units also earn returns, which is the power of compounding.
This calculator projects your SIP using a fixed assumed annual return. It converts that annual rate into a monthly rate and compounds each monthly contribution until the end of the investment period. Because real market returns vary month to month, the figure shown is an illustration of what a constant return could produce — not a prediction of any specific fund.
Compounding means the returns your money earns also start earning returns. The longer you stay invested, the more pronounced this effect becomes — a small monthly SIP run for 20 years can grow far more than twice what the same SIP grows in 10 years, because later contributions benefit from many more years of compounding. This is why starting early, even with a small amount, often matters more than investing a larger amount later.
A step-up SIP increases your monthly contribution by a fixed percentage each year, typically in line with salary growth. Increasing your contribution over time lets you build a meaningfully larger corpus without a sudden jump in monthly outflow, and it keeps your investing pace aligned with your rising income.
A SIP spreads your investment across many dates, averaging purchase prices and reducing the risk of investing everything at a market peak. A lump sum invests the entire amount at once, so its outcome depends heavily on timing — it can outperform a SIP if markets rise immediately after investing, but it can also underperform if you invest just before a downturn. This calculator compares both using the same assumed return and period so you can see the mathematical difference.
Inflation reduces what a given amount of money can buy over time. The inflation-adjusted value shown by this calculator is your future value divided by (1 + inflation rate)years, which estimates what your corpus could be worth in today's money. A high inflation rate can significantly erode the real value of your returns, which is why looking at purchasing power — not just the headline number — matters when planning long-term goals.
This calculator uses a monthly SIP with a beginning-of-month contribution convention. Each monthly contribution is assumed to be invested at the start of the month and therefore earns return for that month as well as every remaining month of the period.
Let P = monthly investment, r = monthly rate (annual return ÷ 12 ÷ 100), and n = number of months.
When r > 0:FV = P × [((1 + r)n − 1) ÷ r] × (1 + r)
When r = 0:FV = P × n
The (1 + r) multiplier at the end is what applies the beginning-of-month convention — it gives each contribution one extra month of compounding compared with an end-of-month SIP. The step-up SIP, year-wise breakdown and SIP-vs-lump-sum sections all use this same convention.