SIP Calculator
Estimate the future value of a monthly Systematic Investment Plan (SIP) based on your monthly amount, an assumed annual return, and how long you plan to stay invested. This tool illustrates the mechanics explained in our guide to how SIP compounding actually works — if you’re new to mutual funds altogether, start with what a mutual fund is first.
How This Calculator Works
The calculator compounds your SIP monthly using the entered annual return divided into a monthly rate, adding each month’s contribution before applying that month’s growth — the same mechanism described in our SIP compounding explainer. If you set a step-up percentage, your monthly contribution increases by that percentage at the start of each new year. The result is an illustration based on a constant assumed return, not a forecast — real markets move up and down, and your actual results will differ from this estimate. Before choosing where to invest, also see our guide to the expense ratio gap between direct and regular mutual fund plans, since that gap is not accounted for in this calculator’s return assumption and reduces real-world returns further.
Frequently Asked Questions
Is the return shown by this SIP calculator guaranteed?
No. The return you enter is an assumption you choose, not a guarantee. Mutual fund returns are market-linked and vary year to year; this calculator simply shows what a steady assumed return would compound to.
Does this calculator account for expense ratio or taxes?
No. It shows returns before expense ratio and before capital gains tax. Actual take-home returns will be somewhat lower after fund expenses and applicable tax, covered in our mutual fund taxation guide.
What does the step-up option do?
It increases your monthly SIP contribution by a fixed percentage at the start of every year, modeling an investor who raises their SIP amount as their income grows, rather than keeping it flat for the entire duration.
Can I use this for a lumpsum investment instead of a SIP?
This calculator is built specifically for monthly SIP contributions. For a one-time lumpsum, the calculation is simpler (a single compounding calculation), and using a monthly SIP figure here would not give an accurate lumpsum estimate.
Disclaimer: This calculator is for informational and educational purposes only and does not constitute financial or investment advice. Estimated values assume a constant annual return, which real mutual fund investments do not provide. Mutual fund investments are subject to market risk. Trade Day is not a registered investment advisor.