SIP Calculator with Annual Step-Up

📊 SIP / Investment Returns Calculator Tool

Monthly Investment Amount

Expected Annual Return (%)

Investment Duration (Years)

Annual step-up (%) — optional

Increase your monthly contribution by this percentage each year. Leave at 0 for a flat SIP.

—

Total Wealth Created

—

Total Invested

—

Returns Earned

—

Wealth Multiplier

Amount Invested—

Returns—

📊

Enter your monthly SIP amount, expected return rate and duration to see your wealth projection.

Related Finance Tools

How Is SIP Return Calculated?

A SIP (systematic investment plan) invests a fixed amount every month, and each payment grows at the assumed return until the end. The calculator adds up the growth of every instalment. At 12% a year, 10,000 a month for 10 years grows to about 2,323,391, of which 1,200,000 is your own money.

The SIP Formula

FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i)

P is the monthly investment, i the monthly return (annual rate ÷ 12 ÷ 100) and n the number of months. The final (1 + i) assumes you invest at the start of each month, as this calculator does.

What 10,000 a Month Can Grow To

Years	You invest	At 8% a year	At 12% a year
5	600,000	739,667	824,864
10	1,200,000	1,841,657	2,323,391
15	1,800,000	3,483,451	5,045,760
20	2,400,000	5,929,472	9,991,479

These are projections at a steady assumed rate, not predictions. Real fund returns go up and down from year to year and are never guaranteed.

Step-Up SIP Calculator

A step-up SIP raises your monthly amount by a fixed percentage each year, usually in line with pay rises. Enter the step-up in the optional field and the calculator compares it with a flat SIP. Starting at 10,000 a month for 10 years at 12%:

Yearly step-up	You invest	Final value
None (flat)	1,200,000	2,323,391
5%	1,509,347	2,786,942
10%	1,912,491	3,374,326

SIP, Monthly Investing and Dollar-Cost Averaging

"SIP" is the name used in India for investing a fixed amount in a mutual fund every month. Elsewhere the same habit is called a regular or monthly investment plan, or dollar-cost averaging. The maths is the same everywhere, so enter amounts in dollars, pounds, euros, rupees or any other currency. For a realistic return figure, look at a fund's long-term past performance in its fund manager report, and remember that past returns don't guarantee future ones.

Why SIPs Work: Cost Averaging

A fixed monthly amount buys more fund units when prices are low and fewer when they are high, which averages out your purchase cost. It removes the pressure of timing the market and suits people investing from a monthly salary. A lump sum can do better in a steadily rising market, but a SIP spreads the risk of investing everything just before a fall.

Common Mistakes

Assuming too high a return. Use a conservative rate that matches the fund's risk, not a best-case figure.
Stopping during a downturn. Falling prices are when a SIP buys the most units.
Comparing with XIRR directly. This calculator uses one steady rate; funds report your actual return as XIRR, because each instalment went in on a different date.

To find the monthly amount needed for a target, use the savings goal calculator; for a one-off lump sum, use the compound interest calculator. Read how SIP returns are calculated for a step-by-step guide. Results are estimates, not financial advice.

How to Use the SIP Calculator

Enter the amount you will invest every month.
Enter an expected annual return.
Enter how many years you will keep investing.
Optionally add an annual step-up to raise the monthly amount each year.

Who Uses the SIP Calculator?

Regular investors: see what a fixed monthly investment could grow to.
Goal planning: test how long it takes to reach a target with monthly contributions.
Pay rises: compare a flat monthly amount with one that steps up by 10% a year.

How the SIP Calculator Saves You Time

Monthly compounding with a growing contribution is hard to calculate by hand. The projection appears instantly, so you can compare several plans in a minute.

Frequently Asked Questions

How is SIP return calculated?

Each monthly instalment grows at the assumed return for the months it stays invested, and the calculator adds them up. The formula is FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i), with P the monthly amount, i the monthly rate and n the number of months.

What will 10,000 a month become in 10 years?

At an assumed 12% a year, about 2,323,391, from 1,200,000 invested. At 8% a year it would be about 1,841,657. These figures assume a steady return; real fund returns vary, so treat them as an estimate rather than a promise.

What is a step-up SIP?

A step-up SIP increases the monthly amount by a fixed percentage every year, for example 10%, usually to match pay rises. Starting at 10,000 a month for 10 years at 12%, a 10% yearly step-up grows to about 3,374,326, against 2,323,391 for a flat SIP.

Can I use this SIP calculator in any country?

Yes. Enter your monthly amount and the return you expect in any currency, whether dollars, pounds, euros or rupees. It does not know any fund's actual returns, so check the fund manager report for past performance.

Is the return in a SIP calculator guaranteed?

No. The return you enter is an assumption. Mutual fund and market returns change every year and can be negative in some years. Use a conservative rate for planning, and review your plan once a year against what your fund actually delivered.

Is SIP better than a lump sum?

It depends on the market and on your cash. A lump sum can earn more when markets rise steadily, but a SIP spreads your buying over time, lowering the risk of investing everything just before a fall. For most salaried people, a SIP is also simply easier to afford.

Should I stop my SIP when the market falls?

Usually not. When prices fall, your fixed monthly amount buys more units, which lowers your average cost and helps when prices recover. Stopping during a downturn gives up that advantage. Review your plan if your goals or finances change, not just because of short-term market moves.

Last updated: September 2026

📊 SIP Calculator with Step-Up