SIP Calculator
Estimate the future value of your monthly mutual fund SIP, see how much of it is your own money versus estimated returns, and check a year-wise growth schedule -- with an optional step-up SIP. Every calculation runs in your browser -- nothing you enter is ever sent anywhere.
Investment Details
Each installment is assumed to be invested at the start of the month and compound at your expected monthly return for the rest of the tenure -- the standard convention used by most SIP calculators.
Step-up SIP (optional)
Leave the step-up at 0 to calculate a flat SIP. A yearly step-up raises your monthly amount once every 12 months; a monthly step-up raises it every single month.
Results
Final (Maturity) Value
Total Invested
Estimated Returns
Year-wise Growth Schedule
How this SIP calculator works
Enter your monthly SIP amount, expected annual return and investment period, then choose Calculate. This SIP calculator assumes each monthly installment is invested at the start of the month and compounds at your expected monthly return (derived from your annual rate as r = annual rate / 12 / 100) for the rest of the tenure -- the standard formula used by most mutual fund SIP calculators, FV = P x [((1+r)^n - 1)/r] x (1+r). If you turn on step-up SIP, your monthly amount increases by the chosen percentage every year or every month, and the future value is computed with a month-by-month simulation instead of the flat-SIP formula. Every figure, from the final value to the year-wise schedule, is computed entirely in your browser using full-precision arithmetic, and only rounded for display. Nothing you type is saved, transmitted to our servers, or used for anything other than showing you the result on this page.
Is this an official mutual fund SIP calculator?
No. This is an independent estimation tool built by OurPaisa Tools and is not affiliated with, endorsed by, or an official calculator of any mutual fund house, AMC or distributor. Actual mutual fund returns are never guaranteed and depend on market performance -- always read the scheme documents before investing.
Is my investment data sent to any server?
No. Every calculation runs entirely in your browser. Nothing you enter -- SIP amount, expected return, tenure, or step-up details -- is ever sent to our servers or stored anywhere. We do not require sign-up or login.
What is a step-up SIP?
A step-up SIP increases your monthly investment amount by a fixed percentage at a regular interval (yearly or monthly), so your contribution grows along with your income over time instead of staying flat.
How is SIP future value calculated?
Each monthly installment is assumed to be invested at the start of that month and compounds at your expected monthly return for the remaining tenure. This calculator uses the standard formula FV = P x [((1+i)^n - 1)/i] x (1+i) for a flat SIP, and a month-by-month simulation for a step-up SIP.
Disclaimer: This tool provides an estimate for general informational purposes only and does not constitute investment or financial advice. Mutual fund investments are subject to market risk; actual returns can be higher or lower than the rate you enter, and are never guaranteed. It is not affiliated with any mutual fund house, AMC or distributor. See our Disclaimer and Terms of Use for more detail.