How SIP returns are calculated
This calculator assumes each instalment is invested at the start of the month and grows at the expected monthly rate. It uses the standard formula FV = P × ((1 + i)n − 1) ÷ i × (1 + i). With a step-up, the monthly amount rises by that percentage every 12 months.
Note: Mutual fund returns are not guaranteed. This tool is for estimation only and is not investment advice.
Frequently asked questions
What return rate should I assume?
That depends on the fund type and market conditions. Try a few different rates to see a range of outcomes.
What is a step-up SIP?
A step-up SIP increases your monthly instalment every year, often in line with a salary hike.
Are the results guaranteed?
No. Market-linked investments can go up or down.