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SIP Calculator

SIP Calculator is part of Toolspire and is ready as soon as this page loads. See what a monthly SIP could grow to, how much of it is your own money and how much is returns — or work backwards from a goal to the SIP you need.

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What you can do here

Step-up SIP

Model a SIP that rises with your salary each year.

Work back from a goal

Find the monthly amount for a house, education or retirement target.

SIP plus lump sum

Combine a starting investment with monthly instalments.

Inflation-adjusted

See what the future amount is worth in today’s rupees.

After-tax estimate

Optional long-term capital gains tax for equity funds.

Five currencies

Rupees with lakh and crore, or dollars, euros, pounds and dirhams.

The sequence

How to calculate SIP returns

  1. 1

    Enter the monthly amount

    Type how much you plan to invest every month.

  2. 2

    Set the expected return

    Use a long-term yearly return you find reasonable — many people use 10–12% for equity funds.

  3. 3

    Choose the period

    Pick the number of years, and add a yearly step-up if you plan to increase the SIP.

  4. 4

    Read the result

    See the estimated value, the amount invested and the returns, with a year-by-year breakdown.

Worth knowing

  • SIP Calculator on Toolspire: calculates the future value of a SIP with the standard formula FV = P × [(1 + i)ⁿ − 1] ÷ i × (1 + i), where i is the monthly return and n the number of instalments.
  • ₹5,000 a month for 10 years at 12% grows to about ₹11.62 lakh — ₹6 lakh invested and ₹5.62 lakh of returns.
  • Step-up SIP: raise the instalment by a percentage every year; a 10% step-up turns that ₹11.62 lakh into about ₹16.87 lakh.
  • Goal planner: enter a target (say ₹1 crore in 15 years) and get the monthly SIP needed — about ₹19,819 at 12%.
  • Add a lump sum, see the result in today’s money after inflation, and estimate tax on equity gains (12.5% above ₹1.25 lakh).
  • Year-by-year chart and table, downloadable as CSV. Runs in this tab; returns shown are estimates, not guarantees.

How SIP returns are calculated

A SIP (systematic investment plan) invests a fixed amount in a mutual fund every month. Each instalment earns returns for the time it stays invested, so the first one grows the longest. Adding them up gives FV = P × [(1 + i)ⁿ − 1] ÷ i × (1 + i), with i = yearly return ÷ 12 and n = number of months.

Time matters more than amount: ₹10,000 a month at 12% becomes about ₹23 lakh in 10 years but about ₹99.9 lakh in 20 years — the investment doubles, the result more than quadruples.

What ₹5,000 a month can become

YearsInvestedAt 10%At 12%At 15%
5₹3,00,000₹3.90 lakh₹4.12 lakh₹4.48 lakh
10₹6,00,000₹10.33 lakh₹11.62 lakh₹13.93 lakh
15₹9,00,000₹20.90 lakh₹25.23 lakh₹33.84 lakh
20₹12,00,000₹38.28 lakh₹49.96 lakh₹75.80 lakh

FAQ

Questions about SIP Calculator

Where does SIP Calculator run?

SIP Calculator runs in this tab on Toolspire. What you type or drop in is not sent to us and is not stored on a server.

How much will a ₹5,000 SIP give after 10 years?

At 12% a year, about ₹11.62 lakh: ₹6,00,000 that you invest and about ₹5.62 lakh of returns. At 10% it is about ₹10.33 lakh, at 15% about ₹13.93 lakh.

What is a step-up SIP?

A SIP that increases every year, usually by 5–10%, in line with your income. Because the larger instalments still have years to grow, it builds a noticeably bigger corpus than a flat SIP.

What return should I assume?

No one knows future returns. Diversified equity funds in India have delivered roughly 10–14% a year over long periods, with bad years in between; debt funds are nearer 6–8%. Try a lower number as well to see a cautious case.

How much SIP do I need for ₹1 crore?

At 12% a year: about ₹43,000 a month for 10 years, ₹19,800 for 15 years or ₹10,000 for 20 years. Switch to SIP for a goal to work it out for your own target and period.

Are SIP returns taxed?

For equity funds, gains on units held over a year are taxed at 12.5% above ₹1.25 lakh a year; units sold within a year are taxed at 20%. Each instalment has its own one-year clock. The tax switch gives a simple estimate.

Is this a guarantee of returns?

No. It shows what a steady return would produce. Real funds rise and fall, so treat the result as an illustration for planning.

Keep going

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