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SIP Calculator

Enter your monthly SIP or a one-time amount, the return you expect and how many years you will invest, to see the estimated value, how much is returns, and the year-by-year growth.

Type
₹
% a year

An assumption. Equity funds have returned about 10–14% over long periods, with big swings.

years
%

Raise the SIP each year, for example 10% with your salary. Optional.

% a year

Optional: shows the final value in today's money.

Enter how much you will invest to see the estimate.

How SIP returns are calculated

Value = P × ((1 + i)^n − 1) ÷ i × (1 + i)

P is the monthly SIP, i the monthly rate (yearly return ÷ 12), n the number of months.

Example: ₹5,000 a month at 12% for 10 years

Monthly rate
1%
Months
120
Invested
₹6,00,000
Estimated value
₹11,61,695

A lumpsum grows with yearly compounding: ₹1,00,000 at 12% for 10 years becomes about ₹3,10,585. With a step-up, the monthly amount rises by the same percentage at the start of each new year.

  • Treating the estimate as a promise

    Fund returns vary year to year. Use a conservative rate and check a lower one too.

  • Ignoring inflation

    A crore in 20 years buys far less than a crore today. Add an inflation rate to see the value in today's money.

  • Stopping SIPs in a falling market

    Monthly investing buys more units when prices are low; stopping then is what usually hurts long-term returns.

Planning a loan instead? See the EMI calculator. For tax on your salary, see the income tax calculator.

Frequently asked questions

How is the SIP value calculated?

Each monthly instalment is invested at the start of the month and grows at the yearly return divided by 12, compounded monthly. This is the method most mutual fund calculators use.

What is a step-up SIP?

A SIP whose monthly amount rises every year by a set percentage, for example 10% in line with your salary. Over long periods it builds a much bigger corpus than a flat SIP.

What return should I assume?

There is no guaranteed return. Many people use 10–12% a year for equity funds over 10 years or more, and lower figures for debt funds. Try a few rates to see the range.

Is the result what I will actually get?

No. It is an estimate based on a fixed return. Real mutual fund returns vary from year to year, and the final value can be higher or lower.

Last reviewed 9 October 2026. This tool runs in your browser; nothing you enter is stored or sent to Boostlix.