SIP Calculator (Systematic Investment Plan)

Estimate mutual fund SIP maturity corpus with optional annual step-up percentage and inflation purchasing-power adjustment.

Estimated SIP Maturity Value
USD 7,568,640.00
USD 7,569,000.00 (2.8× total capital invested)
Total Amount Invested USD 2,700,000.00
Estimated Wealth Gain USD 4,868,640.00
Inflation-Adjusted Corpus USD 3,158,129.00
Wealth Multiplier 2.8×
Inputs
Amounts are treated in the selected currency; no foreign-exchange conversion is applied.
Switch across all 12 SIP modes right here, or click any dedicated tool in the SIP Suite bar above.
₹ / mo
Starting monthly SIP installment.
% p.a.
Assumed annualized portfolio return.
years
Number of years you continue the SIP.
% / yr
Optional annual percentage increase in your monthly SIP.
% p.a.
Used to compute real purchasing power in today’s rupees.
₹ INR
Used when Goal Target, Lump Sum Hybrid, SIP→SWP, or Real Wealth mode is selected.
Results & Graph
Estimated SIP Maturity Value
USD 7,568,640.00
USD 7,569,000.00 (2.8× total capital invested)
Total Amount Invested
USD 2,700,000.00
USD 2,700,000.00
Estimated Wealth Gain
USD 4,868,640.00
USD 4,869,000.00
Inflation-Adjusted Corpus
USD 3,158,129.00
At 6% annual inflation
Wealth Multiplier
2.8×
Fixed monthly SIP

Invested Capital vs. SIP Wealth Gain

Year-by-year growth of cumulative SIP deposits and compounded returns
Graph 1 • Invested Capital vs. SIP Wealth Gain Year-by-year growth of cumulative SIP deposits and compounded returns
0 1.89M 3.78M 5.68M 7.57M Yr 1Yr 3Yr 5Yr 7Yr 9Yr 11Yr 13Yr 15
Graph 2 • Latest Period Component Values Values retain their calculator-defined labels and units.
Invested Principal (USD) 2,700,000 USD Compounded Returns (USD) 4,868,640 USD
Graph 3 • Projected Balance Under Return Assumptions Uses the entered 15-year horizon.
0 6.06M 12.1M 8.0%: 5,225,177 5.23M 8.0% 10.0%: 6,268,864 6.27M 10.0% 12.0%: 7,568,640 7.57M 12.0% 14.0%: 9,192,807 9.19M 14.0% 16.0%: 11,228,700 11.2M 16.0%
Summary: Total invested capital over 15 years is USD 2,700,000.00 and estimated returns are USD 4,868,640.00.
Summary: Investing USD 15,000.00/month at 12% p.a. for 15 years builds an estimated corpus of USD 7,568,640.00 (USD 7,569,000.00). Out of this, USD 2,700,000.00 is your invested principal and USD 4,868,640.00 is compounded market growth.
⚡ Send result to: SWP Calculator →PPF Calculator →Compound Interest →
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Annual SIP Progression Table

YearMonthly SIPCumulative InvestedCumulative GainProjected Value
Year 1USD 15,000.00USD 180,000.00USD 12,140.00USD 192,140.00
Year 2USD 15,000.00USD 360,000.00USD 48,648.00USD 408,648.00
Year 3USD 15,000.00USD 540,000.00USD 112,615.00USD 652,615.00
Year 4USD 15,000.00USD 720,000.00USD 207,523.00USD 927,523.00
Year 5USD 15,000.00USD 900,000.00USD 337,295.00USD 1,237,295.00
Year 6USD 15,000.00USD 1,080,000.00USD 506,355.00USD 1,586,355.00
Year 7USD 15,000.00USD 1,260,000.00USD 719,685.00USD 1,979,685.00
Year 8USD 15,000.00USD 1,440,000.00USD 982,898.00USD 2,422,898.00
Year 9USD 15,000.00USD 1,620,000.00USD 1,302,323.00USD 2,922,323.00
Year 10USD 15,000.00USD 1,800,000.00USD 1,685,086.00USD 3,485,086.00
Year 11USD 15,000.00USD 1,980,000.00USD 2,139,222.00USD 4,119,222.00
Year 12USD 15,000.00USD 2,160,000.00USD 2,673,783.00USD 4,833,783.00
Year 13USD 15,000.00USD 2,340,000.00USD 3,298,967.00USD 5,638,967.00
Year 14USD 15,000.00USD 2,520,000.00USD 4,026,269.00USD 6,546,269.00
Year 15USD 15,000.00USD 2,700,000.00USD 4,868,640.00USD 7,568,640.00

Formula & Mathematical Methodology: Annuity-Due SIP Formula with Optional Annual Step-Up

FV = P × [(1 + i)n − 1i] × (1 + i)where i = r12 × 100,   n = 12 × Years
FV = P × [ ((1 + i)^n − 1) / i ] × (1 + i), where i = r / 12
  • FV: Maturity corpus at the end of n months
  • P: Monthly SIP installment
  • i: Periodic monthly rate (Annual Return ÷ 12 ÷ 100)
  • n: Total investment months (Years × 12)

Rounding: Monthly deposits compound at (annualRate / 12) at the start of each month; displayed INR figures round to nearest rupee.

Worked Example: ₹15,000/Month SIP at 12% p.a. for 15 Years (No Step-Up)

An investor contributes ₹15,000 at the start of each month for 15 years (180 months) at an assumed 12% nominal annual return (1% monthly).

  1. Total principal invested = ₹15,000 × 180 = ₹27,00,000 (₹27 Lakhs).
  2. Apply SIP formula: ₹15,000 × [((1.01)^180 − 1) ÷ 0.01] × 1.01 = ₹75,68,640.
  3. Estimated wealth gain = ₹75,68,640 − ₹27,00,000 = ₹48,68,640.
Result: A ₹27.00 Lakh total investment grows to ₹75.69 Lakhs (2.80× wealth multiple).

Frequently Asked Questions

How much difference does a 10% annual SIP step-up make?

Increasing your SIP by 10% each year as your salary grows can nearly double your 15-to-20-year maturity corpus compared to a flat SIP.

Are equity mutual fund SIP gains taxable in India?

Long-term capital gains (units held >12 months for equity funds) above the statutory annual exemption threshold are subject to LTCG tax upon redemption.

Finance & Investing · Mutual Funds & India Investing

SIP Calculator (Systematic Investment Plan): inputs, method, and how to read the result

Estimate mutual fund SIP maturity corpus with optional annual step-up percentage and inflation purchasing-power adjustment.

Choose inputs for the case you are checking

The defaults are illustrative. Replace them with values for your case and keep the units shown beside each field.

  • Display Currency: Amounts are treated in the selected currency; no foreign-exchange conversion is applied.
  • SIP Calculation Mode (12-in-1 Switcher): Switch across all 12 SIP modes right here, or click any dedicated tool in the SIP Suite bar above.
  • Monthly SIP Amount: Starting monthly SIP installment.
  • Expected Annual Return Rate: Assumed annualized portfolio return.

What the calculation includes

With the default values shown, Estimated SIP Maturity Value is USD 7,568,640.00. The calculation follows Annuity-Due SIP Formula with Optional Annual Step-Up; the formula and variable definitions above show how the inputs combine.

One-input check: With the other defaults held constant, changing SIP Calculation Mode (12-in-1 Switcher) from 1. Regular Monthly SIP (Standard + Optional Step-Up & Inflation) to 2. Step-Up (Top-Up) SIP vs. Flat SIP Comparison changes Estimated SIP Maturity Value (USD 7,568,640.00) to Step-Up SIP Maturity Value (USD 13,025,774.00). This is a comparison inside the calculator's stated model, not a prediction.

Where to use caution

  • Each SIP installment is invested at the beginning of the month and compounds at r/12 per month.
  • Mutual fund returns are market-linked and fluctuate; actual XIRR depends on NAV path and exit load/LTCG tax.

Scope: India (AMFI / SEBI Mutual Fund Convention) & Global Check the assumptions and limitations against your situation before relying on the estimate.

More in Finance & Investing: SWP Calculator (Systematic Withdrawal Plan), PPF Calculator (Public Provident Fund), Compound Interest Calculator.