SIP calculator
What a monthly investment grows to
Worked example
Using the default values, sip calculator gives a maturity value of ₹23,23,391.
| Item | Value |
|---|---|
| Months invested | 120 |
| Final monthly SIP | ₹10,000 |
| Growth multiple | 1.94× |
| Maturity value | ₹23,23,391 |
What you need
- Monthly investment
- Expected return
- Duration
- Annual step-up
Questions
How is SIP maturity calculated?
Each instalment compounds monthly from the date it is invested, so earlier instalments grow for longer. The formula assumes a constant rate of return, which real markets do not provide.
What does the annual step-up do?
It increases your monthly instalment by the chosen percentage every twelve months, which is how most people invest as their income rises.
Is the return guaranteed?
No. Equity returns vary year to year and can be negative. This projection is arithmetic, not a forecast.