SIP calculator with step-up. Monthly or all at once.
Choose SIP or lumpsum, the amount, the return you assume and the years. See what you put in, the estimated growth and the total.
Year-by-year table
How is the value of a SIP calculated?
The yearly rate you assume is divided by 12 to get a monthly rate. Each instalment is invested at the start of its month and grows at that rate until the end. The value is the sum of all instalments with their growth: P × [(1+i)n − 1] ÷ i × (1+i), where P is the monthly amount, i the monthly rate and n the number of months.
SIP or lumpsum: which should I choose?
It depends on how the money arrives. A SIP suits money that comes in every month, like a salary, and buys at many market levels over time. A lumpsum suits money you already have, like a bonus or a maturing deposit, and puts all of it to work at once. Many families use both; we can talk it through with you.
What return should I assume?
That is your choice, and no rate is assured. Try a cautious figure and a hopeful one, say 8% and 12%, and look at the gap. Past performance is not indicative of future returns.
What is a step-up SIP?
A SIP that rises once a year, usually in step with your pay. A 10% step-up turns ₹10,000 a month into ₹11,000 in the second year and ₹12,100 in the third. Leave it at 0% for a SIP that stays the same.
Will I get exactly this amount?
No. The figure assumes the same return every year, which no fund delivers. The fund's expenses are already inside its NAV, and tax on gains depends on the kind of fund and how long you hold it. Treat the result as an illustration.