Calculate the future value of your SIP
Enter a monthly SIP amount, an expected yearly return and the number of years to see how much you invest, what it could grow to, and what that is worth in today's money.
Calculations run on this device. We don't see, store or log the amounts you enter. Results are estimates, not investment advice.
How it works
- Choose SIP (monthly) or Lump sum (one-time).
- Enter the amount, the expected yearly return and the years; add a yearly step-up and inflation if you want.
- Read the expected value, the amount invested and the gains; open the table for each year.
How a SIP is calculated
Each monthly instalment is invested at the start of the month and grows at the yearly return ÷ 12 per month: FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), where i is the monthly return and n the number of months. 5,000 a month for 10 years at 12% means 600,000 invested and about 1,161,695 at the end. A lump sum is compounded yearly instead: 100,000 at 12% for 10 years becomes 310,585.
Step-up and inflation
A step-up raises the SIP by a percentage every year, usually in line with your salary. The same 5,000 SIP with a 10% yearly step-up invests 956,245 over 10 years and could reach about 1,687,163. Inflation shrinks what that money buys: at 6% a year, 1,161,695 in 10 years is worth about 648,685 in today's money.
What this calculator can't tell you
Mutual fund returns are not fixed: equity funds can fall in some years and rise in others, so the expected return is an assumption, not a promise. The results ignore expense ratios, exit loads and tax on gains. Past returns of a fund don't guarantee future returns; read the scheme documents before investing.
Worked examples
| Monthly SIP | Yearly return | Years | Yearly step-up | Invested | Expected value |
|---|---|---|---|---|---|
| 1,000 | 12% | 1 | – | 12,000 | 12,809 |
| 5,000 | 12% | 10 | – | 600,000 | 1,161,695 |
| 5,000 | 12% | 10 | 10% | 956,245 | 1,687,163 |
| 10,000 | 12% | 15 | – | 1,800,000 | 5,045,760 |
| 2,000 | 10% | 20 | – | 480,000 | 1,531,394 |
| 25,000 | 14% | 5 | 5% | 1,657,689 | 2,376,855 |
Frequently asked questions
What return should I assume?
Many calculators use 12% for equity funds over the long term, but it's only an assumption. Try a lower rate such as 8–10% to see a more cautious outcome.
Is SIP better than a lump sum?
A SIP spreads your buying over time and suits monthly savings; a lump sum is invested all at once and grows for longer if markets rise. The calculator shows both so you can compare the same total.
Is my data stored?
No. The calculation happens on your device and nothing is sent anywhere.
Sources
Last reviewed: October 6, 2026
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