SIP Calculator

Investment Details

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Yrs
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Projected Wealth

Maturity Value

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Invested

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Returns

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Year-on-Year Growth

Guide & Methodology

About the Systematic Investment Plan (SIP) Calculator

Calculate the estimated future returns of mutual fund SIP investments with step-up compounding, inflation adjustment, and expense ratio impact.

What this calculator does

  • Simulates monthly, weekly, or daily disciplined mutual fund investments over your selected time horizon.
  • Projects compounding returns based on your expected compound annual growth rate (CAGR).
  • Factors in annual step-up (top-up) percentage or fixed increments to match your rising annual income.
  • Calculates the inflation-adjusted purchasing power of your final maturity corpus.
  • Deducts fund management expense ratios to provide realistic net returns.

How it Works & Key Inputs

Step 1

Enter Investment Amount & Frequency

Specify how much you plan to invest periodically (e.g. ₹5,000 monthly or weekly).

Step 2

Set Expected Annual Return

Provide the expected CAGR based on the asset class (e.g. 12-15% for equity mutual funds, 7-9% for debt funds).

Step 3

Choose Investment Horizon

Select the investment duration in years and months to leverage the snowball effect of compounding.

Step 4

Optional Step-Up & Inflation

Enable annual step-up contributions (e.g. 10% increase each year) and real inflation rate to measure real wealth.

Core Calculation Parameters
Periodic InvestmentThe regular sum deposited each period into the mutual fund scheme.
Expected Return Rate (%)Annualized expected compound return (CAGR) of the investment portfolio.
Investment TenureThe total number of months/years you stay invested.
Step-up / Top-upPercentage or fixed amount increase applied to your installment periodically.
Expense RatioAnnual asset management fee charged by the fund house.

Formula & Calculation Logic

Mathematical Model

M = P × [((1 + i)^n - 1) / i] × (1 + i)

Future Value of an Annuity Due compounded per period.

Variables Breakdown

MMaturity amount (Future value of SIP corpus)
PPeriodic investment amount (per installment)
iPeriodic interest rate (Annual rate ÷ 12 ÷ 100 for monthly SIP)
nTotal number of installments (Tenure in years × 12)
Calculation Example: Investing ₹10,000/month for 10 years at an expected 12% annual return (i = 0.01, n = 120) yields approximately ₹23,23,391 on an invested principal of ₹12,00,000.

Frequently Asked Questions (FAQ)

Disclaimer: This calculator is provided for educational and illustrative purposes only. Actual financial outcomes may vary based on statutory changes, lender terms, fund fees, and prevailing market dynamics.