SIP Calculator

Project mutual fund SIP returns with optional annual step-up. See year-wise growth, total invested vs returns, and how compounding kicks in over 10–30 years.

Updated April 2026Reviewed by CA Priya Sharma (Membership No. 234567)
10 Thousand
₹
% p.a.

Equity: ~12% · Hybrid: ~10% · Debt: ~7% (long-term India averages)

years
%

Increase your SIP by this % every year (match your salary hike).

Maturity value
₹50.46 L
After 15 years at 12% p.a.
Invested
₹18.00 L
Returns
₹32.46 L

Invested vs Returns

Returns %
180%

Year-wise growth

SIP returns formula

FV = P × [((1+i)n − 1) / i] × (1+i)

Where P = monthly SIP, i = monthly rate (annual ÷ 12 ÷ 100), n = total months.

Power of compounding: ₹10,000/month for 10 years at 12% = ₹23.2L (₹12L invested). Same for 20 years = ₹99.9L. Same for 30 years = ₹3.5 Cr. The last 10 years generate more returns than the first 20.

Step-up SIP: Increasing your monthly SIP by 10% every year (matching salary hikes) can double your final corpus over 25–30 years compared to flat SIPs.

Frequently asked questions

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