Step-Up SIP Calculator
See how increasing your SIP each year changes the outcome of the same plan.
Financial calculator
SIP Calculator
Estimate how a monthly Systematic Investment Plan may grow using the standard SIP future value method. Shows total invested, estimated growth and a year-by-year projection in Indian Rupees.
This calculator is for illustrative and educational purposes only. Actual investment returns may vary. Investments are subject to market risks.
Your inputs
₹500₹5,00,000
130
Returns are not guaranteed. Consider testing a lower figure too.
140
Most Indian SIP illustrations use monthly compounding.
Every figure above is an assumption you control. Change any of them to see how the projection responds.
Estimated results
Estimated future value
₹1,26,14,400
After 15 years of investing ₹25,000 every month, at an assumed 12% a year.
Total invested
₹45,00,000
180 monthly instalments
Estimated growth
₹81,14,400
64% of the projected corpus
Invested versus estimated growth
Projected₹1,26,14,400
- Amount invested36%
- Estimated growth64%
Projected growth over time
The lower band is the money you put in; the upper band is the estimated growth on it.
Year-by-year projection
| Year | Invested this year | Total invested | Estimated growth | Projected value |
|---|---|---|---|---|
| 1 | ₹3,00,000 | ₹3,00,000 | ₹20,233 | ₹3,20,233 |
| 2 | ₹3,00,000 | ₹6,00,000 | ₹81,080 | ₹6,81,080 |
| 3 | ₹3,00,000 | ₹9,00,000 | ₹1,87,691 | ₹10,87,691 |
| 4 | ₹3,00,000 | ₹12,00,000 | ₹3,45,871 | ₹15,45,871 |
| 5 | ₹3,00,000 | ₹15,00,000 | ₹5,62,159 | ₹20,62,159 |
| 6 | ₹3,00,000 | ₹18,00,000 | ₹8,43,926 | ₹26,43,926 |
| 7 | ₹3,00,000 | ₹21,00,000 | ₹11,99,475 | ₹32,99,475 |
| 8 | ₹3,00,000 | ₹24,00,000 | ₹16,38,164 | ₹40,38,164 |
| 9 | ₹3,00,000 | ₹27,00,000 | ₹21,70,538 | ₹48,70,538 |
| 10 | ₹3,00,000 | ₹30,00,000 | ₹28,08,477 | ₹58,08,477 |
Assumptions behind this calculation
Nothing here is hidden. Change any assumption in the inputs panel and the projection updates immediately.
- Expected annual return
- 12%
- Assumed to be constant for the whole period. Actual returns vary year to year and can be negative.
- Instalment timing
- Start of each month
- Matches how a SIP mandate is usually debited.
- Compounding
- Monthly
- Costs and taxes
- Not deducted
- Expense ratio, exit load, stamp duty and taxes are not applied. Your actual outcome will be lower than a gross projection.
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Important information
Results shown are estimates based on the inputs and assumptions selected by you. They are provided for educational and illustrative purposes only and should not be considered financial advice, investment advice, or a guarantee of future returns. Actual results may vary.
Investments are subject to market risks. Past performance may or may not be indicative of future performance. Returns are not guaranteed. Please read all scheme-related documents carefully and invest in line with your own goals and risk appetite.
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संपत्ति का निर्माण। भविष्य की सुरक्षा।
Discuss what this number means for you
A projection is arithmetic. Whether the figure is achievable, appropriate and sensibly invested is a conversation — and that is where our team can help.
निवेश बाज़ार जोखिमों के अधीन है। रिटर्न की गारंटी नहीं है। कोई भी चर्चा शैक्षिक प्रकृति की होती है और यह किसी वित्तीय उत्पाद को ख़रीदने या बेचने की सिफ़ारिश नहीं है।