Use this when…
- You are thinking of starting a ₹2,000 or ₹5,000 monthly SIP.
- You want to see the effect of a yearly step-up in your monthly investment.
- You have a future financial goal and want to estimate a starting monthly deposit.
INDIA · MUTUAL FUND SIP
Plan your monthly SIP and see the potential corpus
Estimate the future value of a monthly mutual fund SIP using assumed returns—not a promise of market performance. Include an initial lump sum, yearly step-up SIP and the effect of inflation.
NEW TO THIS CALCULATOR?
SIP calculator: find out what a monthly mutual fund investment may become
A Systematic Investment Plan (SIP) means investing a chosen amount regularly, often each month, in a mutual fund. Use this calculator to explore a future corpus; it is not a fixed deposit or an estimate of assured mutual fund returns.
Start with these numbers
- 1. Enter any existing investment and the rupees you can invest monthly.
- 2. Choose years and an assumed return; 0% is a useful first baseline.
- 3. If appropriate, choose an annual SIP step-up, fund cost assumption, inflation and target corpus.
What the result means
'Total invested' shows your own rupee deposits; 'projected corpus' includes assumed market growth or loss. The 'today's rupee value' adjusts for inflation. None is a guaranteed mutual fund maturity amount.
Try this example
Set ₹0 initial, ₹5,000 SIP for 15 years, then try assumed returns of 0% and 8%. Try a 5% yearly increase to the SIP amount and compare your contributions.
Watch out for this mistake Mutual fund historical NAV returns typically reflect ongoing fund expenses. Do not subtract an expense ratio a second time if your return assumption already reflects those fees.
More detailed explanations appear below the calculator ↓
Your SIP investment plan
SIP contributions do not earn a promised interest rate: mutual fund investments carry market risk. The model uses a constant effective annual return solely for illustration, and does not forecast NAV fluctuations, exit loads, brokerage, capital-gains tax or scheme restrictions. Do not assume the displayed corpus is a guaranteed outcome.
Your SIP corpus estimate
Projected SIP corpus₹28,44,995Target corpus not reached in this scenario
Year-wise SIP growth
Total amount invested₹12,00,000
Estimated gains or losses₹16,44,995
Corpus in today's rupee value₹10,72,249
Initial monthly SIP needed for target₹5,272
Effective annual growth after expense drag8%
SIP scenarios at different returns
Lower growth (6%)₹22,67,193
Your chosen return (8%)₹28,44,995
Higher growth (10%)₹35,91,296
SIP growth by year
| Year | Invested | Projected corpus |
|---|---|---|
| 0 | ₹0 | ₹0 |
| 1 | ₹60,000 | ₹62,169 |
| 5 | ₹3,00,000 | ₹3,64,723 |
| 10 | ₹6,00,000 | ₹9,00,621 |
| 15 | ₹9,00,000 | ₹16,88,032 |
| 20 | ₹12,00,000 | ₹28,44,995 |
UNDERSTAND YOUR SIP
How to use a step-up SIP calculator in India
- 01
Enter the existing lump sum (or zero if starting fresh) and monthly SIP amount. These amounts are in INR and are assumed to be deposited regularly.
- 02
Choose an investment period. Enter your own return assumption; this calculator does not claim a mutual fund will generate 12% or any fixed annual gain.
- 03
For a step-up SIP, specify how much you increase the monthly instalment every 12 months. Use the annual expense drag only if your return assumption is before that asset-based fee; otherwise leave it at zero to avoid double counting.
- 04
Add an inflation assumption and target corpus. Compare nominal corpus with inflation-adjusted value and solve for the initial SIP amount needed for that target, remembering that returns are uncertain.
Example: start with ₹0 and invest ₹5,000 every month for 15 years. Try 0%, 8% and 12% effective annual return assumptions and examine the effect of increasing your SIP contribution by 5% each year.
What the SIP formula cannot predict
SIP contributions do not earn a promised interest rate: mutual fund investments carry market risk. The model uses a constant effective annual return solely for illustration, and does not forecast NAV fluctuations, exit loads, brokerage, capital-gains tax or scheme restrictions. Do not assume the displayed corpus is a guaranteed outcome.
SIP calculator questions
Is a 12% SIP return guaranteed?
No. Mutual funds are market-linked, and their NAV can fall. Any percentage is an assumption set by you, not a guarantee or AMFI prediction.
What is a step-up SIP?
A plan where the monthly investment amount rises at a chosen interval. Here it rises once after each full twelve months.
Should I subtract a mutual fund expense ratio?
Only if you have started with a gross-before-fees return assumption. Historical mutual fund NAV returns generally already reflect ongoing fund expenses, so entering a fee again can double count.
Does it estimate capital gains tax?
No. Redemption taxes depend on the fund type, holding period and applicable law. The corpus is a before-personal-tax illustration.
How the SIP future value is calculated
The effective annual assumed return is converted to a monthly growth factor. A regular SIP instalment is added at the chosen time, increases every twelve months by your step-up percentage and compounds under that constant assumption.
SIP scenarios at different returns
IN-DEPTH CALCULATOR GUIDE
SIP calculator: find out what a monthly mutual fund investment may become
A Systematic Investment Plan (SIP) means investing a chosen amount regularly, often each month, in a mutual fund. Use this calculator to explore a future corpus; it is not a fixed deposit or an estimate of assured mutual fund returns.
01
When should you use a SIP calculator?
A monthly SIP can help you build the habit of investing towards education, a future home or retirement. The calculator is most useful for comparing contribution amounts and time horizons—not for identifying a winning mutual fund.
A SIP is a method of making regular investments, not a product that guarantees any interest rate. The value of the mutual fund units can rise or fall, and the final portfolio can even be worth less than the total you invested.
02
What goes into each box?
The initial investment is a lump sum already invested, if any. Monthly SIP is your recurring contribution. The period is measured in complete years. Begin with a 0% annual return case to see the effect of your own deposits, then enter a purely hypothetical market return.
Annual step-up increases the monthly SIP after each twelve-month period. Inflation is a planning assumption for purchasing power. A target corpus is simply the rupee goal you want to test, rather than a target the fund promises to meet.
03
How to interpret a ₹5,000 monthly example
At ₹5,000 a month for 15 years with no initial amount or step-up, the deposits alone total ₹9,00,000: 180 instalments times ₹5,000. A positive assumed return produces a larger projected corpus in this model, but no real fund follows the same smooth growth line.
Increase the SIP by 5% a year and the amount invested will rise too. Compare the 'total invested' and 'projected corpus' lines rather than attributing every rupee of extra value to investment returns.
04
Important checks before starting a real SIP
Look at a scheme's risk, suitability, factsheet, expense ratio, exit load and redemption rules. Market performance varies and the investment term can influence risk; this calculator does not check a scheme's historical NAV or live prices.
Personal capital-gains tax, special account rules and taxes on withdrawal are excluded. Use SEBI investor education and actual scheme information when deciding whether or how much to invest.
Educational planning only. Verify relevant official records and lender or tax documents before making decisions.