SIP Calculator – Systematic Investment Plan
Estimate the future value of a Systematic Investment Plan from a monthly amount and an assumed annual return, with an optional annual step-up and a year-by-year breakdown.
Written and reviewed by the CalcBundle editorial team. Transparent formulas · results are estimates, not advice.
Estimated future value
Enter a monthly investment (or initial amount) and a period greater than zero.
What is a SIP?
A Systematic Investment Plan is a way of investing a fixed amount at regular intervals. Instead of timing the market, you invest steadily, and compounding does the heavy lifting over the years.
How SIP returns are estimated
- Monthly rate = assumed annual return ÷ 12
- Each contribution compounds for the remaining months (contributions at the start of each month)
- An optional step-up raises the monthly amount by a set percentage every year
Duration and step-ups
Extending the horizon and stepping up contributions are the two strongest levers. Compare a lump sum instead with the lump sum investment calculator, and see the underlying compounding in the compound interest calculator or plan ahead with the retirement calculator.
Example
Investing 10,000 a month at an assumed 12% annual return for 10 years (start-of-month contributions) gives an estimated future value of roughly 23.2 lakh on 12 lakh invested — the rest is estimated growth, not a guarantee.
Frequently asked questions
What is a SIP?
A Systematic Investment Plan (SIP) is investing a fixed amount at regular intervals — usually monthly — rather than all at once. It builds discipline and spreads your entry across different price levels.
How are SIP returns estimated?
Each monthly contribution is compounded at a monthly rate derived from your assumed annual return, and the results are added up. This calculator contributes at the start of each month (annuity-due), the common SIP convention.
How does investment duration affect the outcome?
Time is the biggest driver. Because early contributions compound the longest, extending a SIP by even a few years can add disproportionately to the estimated future value.
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly contribution by a set percentage each year, often to match salary growth. Enable it here to see how a rising contribution changes the estimate.
Related calculators
Compound Interest
Project growth from an initial amount, rate, compounding and regular contributions.
Investment Return
Work out total return, gain and annualized return on an investment.
Lump Sum Investment
Estimate the future value of a one-time investment over time.
Retirement
Estimate retirement savings, the corpus needed and any shortfall.
Disclaimer. This calculator provides estimates for informational purposes only. Results are based on the information you enter and the assumptions used by the calculator. Actual financial, tax, business valuation, lending, marketplace or investment outcomes may differ. Consider consulting a qualified professional for decisions involving significant amounts of money. Projected SIP returns are estimates based on the assumed return rate and are not guaranteed.