SIP Calculator

Name: SIP Calculator
Author: Laxman Kumawat

Calculate mutual fund SIP maturity value, estimated returns, total invested amount, step-up SIP growth, target corpus gap, and inflation-adjusted value.

Last Updated: May 2026

Market-linked SIP Projection

SIPs are a disciplined way to invest in mutual funds, but returns are not guaranteed. Use realistic return, inflation, and contribution assumptions before comparing funds.

SIP Returns Planner

Estimate mutual fund SIP maturity, returns, and target corpus gap

Enter your SIP amount, expected return, investment period, optional step-up, and target corpus. The calculator projects total invested amount, estimated gains, inflation-adjusted value, and the SIP needed to reach the goal.

Default: ₹10,000 monthly for 20 years

SIP amount

Rs.

Amount invested every selected period.

SIP frequency

Expected annual return

Use a long-term return assumption, not a promised rate.

Investment period

yrs

Annual step-up

Set 0 for a regular fixed SIP.

Initial lump sum

Rs.

Optional existing investment balance.

Target corpus

Rs.

Used to estimate the SIP needed for your goal.

Inflation rate

Investment timing

Estimated maturity value

₹91,98,574

Total amount invested

₹24,00,000

Estimated wealth gain

₹67,98,574

Inflation-adjusted value

₹28,68,159

Wealth multiple

3.83x

Required first monthly SIP

₹10,871

SIP growth path

Year-end value compared with cumulative investment.

Final: 0.92 crore

Maturity valueCumulative investment

Invested vs estimated returns

Breakdown of projected maturity value.

Key assumptions

Item	Value
SIP frequency	Monthly
Total installments	240
Periodic return used	0.9489%
Effective annual return	12.000%
Target status	₹8,01,426 short of target
Assumption 1	SIP contributions are invested monthly.
Assumption 2	Each installment is assumed to be invested at the beginning of the period.
Assumption 3	The periodic SIP amount stays constant through the projection.
Assumption 4	Returns are market-linked estimates, not guaranteed mutual fund returns.

Year-by-year SIP projection

Year	Investment in year	Cumulative investment	Estimated returns	Ending value
Year 9	₹1,20,000	₹10,80,000	₹8,06,334	₹18,86,334
Year 10	₹1,20,000	₹12,00,000	₹10,40,359	₹22,40,359
Year 11	₹1,20,000	₹13,20,000	₹13,16,867	₹26,36,867
Year 12	₹1,20,000	₹14,40,000	₹16,40,956	₹30,80,956
Year 13	₹1,20,000	₹15,60,000	₹20,18,336	₹35,78,336
Year 14	₹1,20,000	₹16,80,000	₹24,55,401	₹41,35,401
Year 15	₹1,20,000	₹18,00,000	₹29,59,314	₹47,59,314
Year 16	₹1,20,000	₹19,20,000	₹35,38,097	₹54,58,097
Year 17	₹1,20,000	₹20,40,000	₹42,00,733	₹62,40,733
Year 18	₹1,20,000	₹21,60,000	₹49,57,286	₹71,17,286
Year 19	₹1,20,000	₹22,80,000	₹58,19,026	₹80,99,026
Year 20	₹1,20,000	₹24,00,000	₹67,98,574	₹91,98,574

SIP Calculator Disclaimer

This calculator is an educational projection, not investment, tax, or legal advice. SIPs in mutual funds are market-linked, returns are not guaranteed, and actual values can change because of fund performance, expenses, taxes, exit loads, and investor behavior.

Reviewed For Methodology, Labels, And Sources

Every CalculatorWallah calculator is published with visible update labeling, linked source references, and review of formula clarity on trust-sensitive topics. Use results as planning support, then verify institution-, policy-, or jurisdiction-specific rules where they apply.

Reviewed by Laxman Kumawat, Finance & Engineering Calculator Owner. Page updated May 2026. Finance and engineering calculators are reviewed when formulas, rate assumptions, or technical references change, and during broader category refreshes. Topic ownership: Financial calculators, Engineering calculators, Electrical and HVAC planning calculators, Investment, salary, loan, and technical design-estimate workflows.

Finance credentialed review: Named internal reviewer: Laxman Kumawat, Finance & Engineering Calculator Owner. External credentialed professional review is still required before this page is treated as professional advice.

Internal finance formula and engineering methodology reviewer. Review scope: calculator formulas, input labels, rate assumptions, scenario workflows, and user-facing limitations.

Credentials on file: Electrical and power-system related certifications.

Relevant review context: Professional background across engineering, sustainability, and energy-efficiency work; CalculatorWallah finance and engineering calculator owner.

Required professional credentials: CFP professional, CFA charterholder, CPA, licensed financial professional. Scope: assumptions, amortization logic, risk language, offer-comparison language, affordability guidance, and disclosure placement.

This page provides educational estimates, not individualized financial advice, lending advice, investment advice, or a product recommendation.

Source expectation: Review should cite official lender, regulator, tax, or standards-body sources when the calculator depends on external rules.

Sources & methodology · Review standards

How to Use the SIP Calculator

Step 1: Enter the SIP amount
Use the recurring amount you plan to invest every month, quarter, or year.
Step 2: Choose frequency and timing
Monthly beginning-of-period SIP is common, while end-of-period timing gives a more conservative estimate.
Step 3: Add expected return and period
Use a realistic long-term return assumption and the number of years you plan to stay invested.
Step 4: Set a step-up and target corpus
Enter an annual SIP increase if you expect income to rise, and add a target corpus to see the required SIP.
Step 5: Review maturity, returns, and inflation value
Compare total invested amount, estimated returns, target gap, and purchasing-power-adjusted value.

How the SIP Calculator Works

A SIP calculator models regular investments into a market-linked fund. It converts your expected annual return into a periodic return, adds each SIP installment, compounds the balance period by period, and builds a year-by-year projection.

Calculation	Formula or method	What it means
Regular SIP future value	P x (((1 + i)^n - 1) / i)	Used when the same installment is invested every period at the end of the period.
Beginning-period SIP	Regular SIP FV x (1 + i)	Adds one extra period of growth because each installment is invested earlier.
Step-up SIP	Simulated period by period	The installment increases after every completed year, so the calculator uses a schedule instead of a shortcut.
Inflation-adjusted value	Future value / (1 + inflation)^years	Shows the estimated purchasing power of the future corpus in today-value terms.

For step-up SIPs, the calculator increases the installment after every completed year. This avoids a misleading shortcut and gives a cleaner view of how salary-linked contribution increases affect long-term wealth.

SIP Planning Guide: Returns, Step-Up, Inflation, and Goal Corpus

What Is a SIP?

SIP stands for Systematic Investment Plan. It is not a separate mutual fund scheme; it is a way to invest a fixed amount into a chosen mutual fund at regular intervals. AMFI describes SIP as a disciplined method that can help investors avoid trying to time the market.

The calculator estimates what those regular investments could grow to if your return assumption is achieved. It does not choose funds, predict NAVs, or guarantee returns.

SIP Types This Calculator Supports

SIP type	How it works	Best use case
Regular SIP	Same amount every period.	Best for a fixed monthly budget and simple discipline.
Step-up SIP	Investment amount increases every year.	Useful when salary or business income is expected to grow.
Lump sum plus SIP	Existing corpus grows while new SIPs continue.	Useful when you already have mutual fund units or a starting balance.
Target-based SIP	Works backward from a goal corpus.	Useful for education, house down payment, retirement, or wealth milestones.

How to Choose the Expected Return Assumption

Do not treat the expected return field as a promise. A higher assumed return will make the projected maturity value larger, but it also increases the risk that the actual result may fall short. For serious planning, run multiple cases: conservative, base, and optimistic.

If the SIP is for a near-term goal, lower-return assumptions and higher safety margins are usually more useful than aggressive projections. For longer goals, compounding has more time to work, but the final value can still vary widely.

SIP Planning by Goal

Goal type	Calculator setup	Planning note
Short goal under 5 years	Use a conservative return assumption and test lower-return cases.	Market volatility can matter more than compounding on short timelines.
Education or home goal	Use a target corpus and inflation assumption.	A nominal corpus may look large but buy less later if costs rise.
Retirement accumulation	Use a longer period, step-up SIP, and periodic review.	Small annual SIP increases can materially change long-term corpus estimates.
Fund comparison	Do not compare only maturity value; also review risk, expense ratio, and category.	Higher assumed returns usually imply higher uncertainty.

Step-Up SIP vs Regular SIP

A regular SIP is easier to budget because the installment does not change. A step-up SIP starts with a manageable amount and increases the contribution each year. The step-up approach can be powerful for long goals because later contributions become much larger while earlier contributions continue compounding.

Use the Expense Ratio Calculator to understand fund cost drag, and compare long-term compounding with the Compound Interest Calculator.

Important SIP Limitations

A SIP calculator cannot model the exact path of mutual fund NAVs, dividend changes, fund manager decisions, expense changes, tax treatment, exit loads, or your ability to keep investing through market downturns. It is best used as a planning map, not a promise of wealth.

Keep the research moving with Compound Interest Calculator, Investment Calculator, PPF Investment Calculator, and Savings Calculator.

Frequently Asked Questions

A SIP calculator estimates the future value of regular mutual fund investments using an expected annual return, investment period, contribution frequency, and optional annual step-up. It is a projection tool, not a guarantee.

SIP stands for Systematic Investment Plan. It is a method offered by mutual funds where an investor contributes a fixed amount at regular intervals, commonly monthly, instead of investing only through a lump sum.

The calculator converts the expected annual return into a periodic return, adds each installment, applies compounding for every period, and repeats the process through the selected investment horizon.

Yes. Enter an annual step-up percentage to increase the SIP installment after every completed year. This is useful when you expect income to rise and want the investment plan to grow with it.

No. SIPs into mutual funds are market-linked. The output is based on your return assumption and can differ materially from actual fund results because NAVs, expenses, taxes, and market conditions change.

Beginning-of-period timing assumes each installment is invested immediately and has the full period to grow. End-of-period timing is more conservative because each installment starts compounding after that period.

Yes. The calculator supports monthly, quarterly, and yearly contribution frequencies. Monthly SIP is the default because it is the most common recurring mutual fund investment schedule.

No. This is an educational calculator. It does not recommend any fund, asset allocation, risk level, or tax strategy. Consider a registered investment adviser for personalized advice.