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SIP calculator

Plan monthly investing with calm assumptions.

Model SIP growth, payment frequency, maturity duration, and yearly step-ups before your household commits fresh capital.

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SIP Calculator

Results

Total Invested:

₹0

Returns Generated:

₹0

Total Amount:

₹0

How the SIP calculation works

For a monthly SIP, the future value is FV = P × (((1 + i)ⁿ − 1) / i) × (1 + i), where P is your monthly instalment, i is the monthly return (annual rate ÷ 12), and n is the number of instalments. This calculator also supports weekly to yearly frequencies and an optional annual step-up that raises the instalment every year.

Returns compound monthly in this tool. Real fund returns vary year to year, so treat the output as a planning estimate, not a guarantee.

Worked example

A household investing ₹15,000 every month into an equity fund, assuming 12% annualised returns for 15 years:

Monthly investment₹15,000
Expected return12% p.a.
Duration15 years
Total invested₹27,00,000
Estimated gains₹48,68,640
Maturity value₹75,68,640

The gains exceed the invested amount because every rupee invested early compounds for the full period — the core reason SIPs reward patience.

Frequently asked questions

Is a SIP calculator accurate?
It is mathematically exact for the assumptions you enter. The uncertainty sits in the assumed return: equity funds rarely deliver a smooth 12% every year. Use the calculator for direction and magnitude, then review actual portfolio performance separately.
What return should I assume for equity SIPs?
Long-term Indian equity has historically delivered roughly 10–14% annualised, but specific 10-year windows have ranged wider. A conservative plan uses 10–11%; an optimistic one uses 12–13%. Testing both brackets is more useful than trusting a single number.
What is a step-up SIP?
A step-up (or top-up) SIP increases your instalment by a fixed percentage each year, typically matching salary growth. A 15-year SIP stepped up 10% annually can end worth nearly double a flat SIP of the same starting amount.
Can I increase or pause my SIP later?
Yes. SIPs are not locked contracts — you can raise, lower, pause or stop instalments anytime without penalty. That flexibility is why calculators with adjustable assumptions matter more than a single projection.

Calculators answer questions. Your dashboard answers all of them.

TrackMyNetWorth turns these one-off calculations into a living net worth picture — every account, loan and family member in one private dashboard with daily snapshots.

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