Goal-based investment planning

Free SIP Return Calculator - Fast Browser Tool

Calculate your SIP maturity value, estimated gains, annual step-up growth, inflation-adjusted corpus, and the starting monthly investment required to reach a financial goal.

Calculate SIP Returns See how it works
Accurate monthly projection Annual step-up support Goal planning CSV export

SIP Calculator

Adjust your investment assumptions to generate a complete monthly projection. Your inputs and calculations remain inside this browser.

100% local calculation

Investment assumptions

Maximum 600 months
₹500 – ₹10,000,000
₹
% p.a.
years
Increase every 12 months
%
Advanced planning options
₹
%
Optional goal
₹

Projected results

10-year projection
Estimated maturity value ₹0

Enter your assumptions to calculate the projection.

Invested amount Estimated gains
Total invested ₹0
Estimated gains ₹0
Inflation-adjusted value ₹0
Final monthly SIP ₹0
Gain on invested amount 0%
Required starting SIP -
Goal analysis Add a target corpus
Projected surplus or gap -
Important: This calculator provides estimates based on a constant assumed return. Market returns are not guaranteed and may vary materially. Inflation, taxes, fees, and fund expenses can affect actual outcomes.

Investment projection

Monthly cash flow, earnings, and closing balance.

SIP investment projection
01
Accurate timing Beginning or end-of-month SIP
02
Step-up planning Annual contribution increases
03
Goal focused Required starting SIP estimate
04
Private and local No financial data is uploaded
Disciplined investing

Plan long-term wealth with regular monthly investments

A Systematic Investment Plan, commonly called a SIP, allows you to invest a fixed amount at regular intervals. This SIP calculator estimates how those contributions may grow over time through compounding.

The calculator applies your expected annual return month by month. It supports both beginning and end-of-month contribution timing, optional annual step-ups, an initial lump sum, and an inflation-adjusted estimate of future purchasing power.

You can also enter a target corpus. The calculator will compare that goal with the projected maturity value and estimate the starting monthly SIP needed under the same timing and step-up assumptions.

Why contribution timing matters

A beginning-of-month SIP receives one additional month of growth compared with an end-of-month SIP. The difference may appear small initially, but it can become meaningful over a long investment period.

Complete planning toolkit

More than a basic SIP return calculator

Test practical investment scenarios and understand how each assumption changes your long-term projection.

Monthly compounding

Every contribution and monthly earning is tracked through an iterative projection rather than a simplified approximation.

Annual step-up SIP

Increase your monthly contribution after each completed year to model investments that grow alongside income.

Goal-based calculation

Compare your projected corpus with a target and calculate the starting SIP required to pursue that goal.

Inflation adjustment

See both the projected nominal corpus and its approximate value in today's purchasing-power terms.

Detailed projection export

Download the complete monthly schedule as CSV or print a clean projection for review and discussion.

Private browser calculation

Your investment values are calculated locally and do not need to be submitted to a remote calculation service.

Three simple steps

How to calculate SIP returns

Create a detailed investment projection in less than a minute.

Step 1

Enter your SIP

Add your monthly investment, expected annual return, and planned investment period.

Step 2

Refine assumptions

Add step-up, lump sum, inflation, contribution timing, and an optional financial target.

Step 3

Review the projection

Compare invested amount and gains, inspect the schedule, and export the monthly projection.

Investment approaches

SIP, step-up SIP, and lump-sum investing

Each approach serves a different cash-flow pattern and can also be combined inside the calculator.

Factor
Regular or step-up SIP
Lump-sum investment
Cash flow
Invests smaller amounts every month
Invests a larger amount at one time
Contribution growth
Can remain fixed or increase annually
No recurring contribution unless combined with SIP
Market timing
Spreads purchases over many market levels
Entire amount enters at the selected starting point
Suitable for
Regular income and disciplined investing
Existing savings, bonuses, or one-time proceeds
Practical guidance

Best practices for planning a SIP

Use realistic assumptions and periodically review your plan as your goals, income, and time horizon change.

1

Use a conservative return assumption

Avoid relying only on recent performance. Test more than one return scenario before setting a contribution.

2

Include inflation in long-term goals

A future amount may buy less than the same nominal amount today, especially over long investment periods.

3

Step up contributions sustainably

Select an annual increase that can remain affordable instead of choosing an aggressive rate you may stop.

4

Review your goal every year

Update the target, current savings, time horizon, and contribution whenever your circumstances change.

Common questions

SIP calculator FAQ

What is a SIP calculator?

A SIP calculator estimates the future value of regular monthly investments using the contribution amount, expected annual return, investment period, contribution timing, and optional annual step-up.

How are SIP returns calculated?

This calculator converts the expected annual return into a nominal monthly rate and applies it month by month. It separately tracks contributions, investment earnings, total invested amount, and closing value.

What is the difference between beginning and end-of-month SIP timing?

A beginning-of-month contribution earns a return during that month, while an end-of-month contribution begins earning from the following month. Beginning-of-month timing therefore produces a slightly higher projection under identical assumptions.

What is an annual step-up SIP?

An annual step-up SIP increases the monthly contribution after every 12 contributions. For example, a 10 percent step-up changes a monthly SIP of 10000 to 11000 from month 13 and 12100 from month 25.

Are SIP returns guaranteed?

No. The calculated values are projections based on an assumed constant return. Market-linked investments can produce higher or lower returns, and past performance does not guarantee future results.

What does inflation-adjusted value mean?

Inflation-adjusted value estimates the future corpus in today's purchasing-power terms by discounting the projected amount using the selected annual inflation rate.

How does the calculator find the SIP required for a goal?

The calculator projects the future value of the initial lump sum and simulates a unit monthly SIP using the selected timing and annual step-up. It then scales that unit contribution to estimate the starting SIP required to reach the target.

Continue planning

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Start planning your investment goal

Adjust your SIP, expected return, step-up, inflation, and target to create a practical long-term investment projection.

Calculate SIP Returns Now