SIP Calculator
See what regular monthly investing, or a one-time investment, could grow to at an assumed rate of return.
Optional. Raises the monthly amount by this percentage at the start of each year, for example 10% as your income grows.
| Year | Invested so far | Value at year end |
|---|
An illustration only. Real investments do not earn a fixed return, and returns are not guaranteed.
Estimates assume a constant yearly return, monthly compounding and investments made at the start of each month. This is not financial advice.
Frequently asked questions
How is the SIP return calculated?
Each month's investment is added at the start of the month and the whole balance then grows at the monthly rate (annual rate ÷ 12). After the chosen number of years, the balance is the estimated value. This is the usual future-value-of-annuity method used by most SIP calculators.
What is a step-up SIP?
A step-up SIP raises your monthly amount by a fixed percentage each year, for example 10%, so your investing keeps pace with your income. Enter a step-up percentage to see how much difference it makes over the long run.
What return rate should I enter?
Nobody can know future returns. Equity funds have varied widely over time, and debt and fixed-deposit returns are lower and steadier. Try a few different rates, including cautious ones, to see a range of outcomes instead of relying on a single number.
Does it account for inflation, tax or fund charges?
No. The figures are before tax, expense ratios and inflation, so the real purchasing power of the final amount will be lower than shown.