SIP Calculator
Estimate the maturity value of your monthly mutual fund SIP with step-up and inflation options.
Visual breakdown
Detailed breakdown
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What is the SIP Calculator?
A SIP (Systematic Investment Plan) calculator estimates how much a fixed monthly investment can grow when returns compound over time. Enter your monthly amount, expected annual return and period to see the invested amount, estimated gains and a year-wise growth table.
How to use this calculator
- Enter your values in the input fields. Use the sliders where available for quick changes.
- Choose the options that fit your case - currency, number format and decimals can be changed in the Options bar.
- The result updates instantly as you type. Press Calculate to refresh.
- Review the summary, the chart and the detailed table (when shown).
- Use Export & share to download a snapshot image (PNG or JPG), copy the result, print, save a CSV, or copy a link that reopens your inputs.
Formula and method
P = monthly investment, i = monthly rate (annual rate / 12 / 100), n = number of months.
For step-up SIP the instalment is increased by the chosen % every 12 months.
Worked example
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Options you get
- Currency symbol and Indian or international digit grouping
- Decimal places control
- Instant results with charts and tables (where relevant)
- Snapshot image export (PNG / JPG), copy image, CSV, print and share link
- Light and dark themes - works on mobile, tablet and desktop
Frequently asked questions
Is the SIP return fixed?
No. Mutual fund returns are market-linked and change every day. The calculator assumes one constant yearly rate to give an estimate.
What is a step-up SIP?
A step-up SIP raises your monthly instalment by a fixed percentage every year, usually in line with your income growth.
Which instalment timing should I choose?
Most SIPs are debited at the start or on a fixed date of the month. Choose "Start of month" if your money is invested at the beginning of each month.
Is this calculator free to use?
Yes. All MCSBiz calculators are free, work in your browser and need no sign-up.
Is my data stored or sent to a server?
No. Calculations run on your own device. Your inputs are not uploaded, and nothing is saved unless you choose to share a link or export an image.
Can I save or share my result?
Yes. Use "Download PNG" or "Download JPG" to export a snapshot image, copy the result, print it, download a CSV, or copy a link that reopens the calculator with your inputs.
Important note
Results are estimates based on the inputs and assumptions shown. Investments are subject to market risk and past performance does not guarantee future returns. This is not financial, tax or legal advice - please verify with official sources or a qualified professional.