SIP Calculator
Calculate your Systematic Investment Plan returns and plan your wealth creation journey
A one-time amount invested at the start (e.g. existing savings), in addition to your monthly SIP.
Increase your monthly investment by this % each year as your income grows. Leave at 0 for a flat SIP.
Total Future Value
₹23,23,391
Growth Projection
How It Works
SIP returns are calculated using the compound interest formula, plus any initial lumpsum compounded over the full period:
FV = P x [(((1 + r)^n - 1) / r) x (1 + r)] + L x (1 + r)^nWhere: FV = Future Value, P = Monthly Investment, L = Initial Lumpsum, r = Monthly Rate of Return, n = Total Number of Months
With an annual step-up, the monthly investment is increased by the chosen percentage at the end of each year, and each year’s contributions compound for the remaining period.
Illustrative estimate, not investment advice. Past performance doesn't guarantee future returns.