SIP Calculator
SIP, step-up SIP, lump sum and goal returns. Runs in your browser.
About this sip calculator
This SIP calculator estimates what a monthly investment in a mutual fund could grow to. Enter how much you'll invest each month, the yearly return you expect and for how long, and you get the estimated value, the amount you invested and the gains.
It has four modes in one place. A regular SIP, a step-up SIP that rises every year, a one-time lump sum, and a goal planner that tells you the monthly SIP needed for a target. You can also choose how the yearly return is turned into a monthly rate, which explains why different SIP calculators give slightly different answers.
The default currency is the rupee with lakh and crore grouping, and you can switch to taka, dollars and others. Nothing leaves your browser.
Features
SIP, step-up, lump sum and goal
Switch modes without retyping. Each mode shows the estimated value, the invested amount and the returns.
Step-up by percent or amount
Raise your SIP by a percentage or a fixed sum every year. See the extra value compared with a flat SIP and what you'll be investing in the final year.
Goal planner with step-up
Enter a target like 50 lakh. Get the flat monthly SIP needed, and the lower amount you could start with if you step it up each year.
Two monthly rate methods
Use the common yearly ÷ 12 method, or a monthly rate that compounds to exactly your yearly return. The formula line shows which one is in use.
Inflation-adjusted value
Add an inflation rate to see what the final amount is worth in today's money.
Yearly chart and table
Stacked bars of invested amount and returns for each year, or a table with the SIP amount, money invested and value year by year.
How to use the sip calculator
- 1Choose SIP, step-up SIP, lump sum or goal planner.
- 2Enter the amount, expected yearly return and time period.
- 3Read the estimated value, invested amount and returns, plus the yearly chart and table.
When to use it
Matching SIP to pay rises
If your income grows about 8% to 10% a year, a step-up SIP keeps your saving rate steady. Check your take-home first with the salary calculator.
Planning a child's education or a house
Use the goal planner to turn a target and a deadline into a monthly amount you can set up with your fund house.
SIP or lump sum
If you have a bonus or savings, compare investing it at once with spreading the same money over monthly SIPs.
How is SIP return calculated?
A SIP is a series of equal monthly instalments, each made at the start of the month. The future value is M = P × ((1 + i)^n − 1) ÷ i × (1 + i). P is the monthly amount, i is the monthly rate and n is the number of instalments.
Take 10,000 a month for 10 years at an expected 12% a year. With i = 12% ÷ 12 = 1% and n = 120, the estimated value is ₹23,23,391. You invest ₹12,00,000, so the estimated returns are ₹11,23,391.
The first instalment grows for all 120 months and the last one for only one month. That's why the gains are smaller than 12% of everything you put in each year would suggest.
Why do SIP calculators give different answers?
It comes down to how the yearly return becomes a monthly rate. Most calculators divide by 12, so 12% becomes 1% a month. But 1% a month compounds to 12.68% a year, a bit more than 12%.
The other method uses (1 + 12%)^(1/12) − 1, about 0.949% a month, which compounds to exactly 12% a year. For 1,000 a month over one year, the first method gives about 12,809 and the second about 12,766. Over 10 years at 10,000 a month the gap is ₹23,23,391 against ₹22,40,359.
Neither is wrong. The exact method is more conservative and matches how fund returns (CAGR) are reported, so pick it if you want a cautious plan.
What is a step-up SIP?
A step-up (or top-up) SIP raises your monthly amount once a year. Start at 10,000 and add 10% each year and you invest 23,579 a month in year 10. Over 10 years at 12%, you put in ₹19,12,491 and the estimated value is ₹33,74,326, about ₹10.5 lakh more than a flat 10,000 SIP.
Step-up also makes big goals reachable. A flat SIP for ₹50 lakh in 10 years at 12% needs ₹21,520 a month. With a 10% yearly step-up you can start at about ₹14,818 instead.
SIP vs lump sum
A lump sum is invested at once, so all of it compounds for the whole period. ₹5,00,000 at 12% for 10 years grows to ₹15,52,924. Spread the same ₹5 lakh as a monthly SIP of about ₹4,167 over 10 years and it grows to about ₹9,68,079, because most of the money goes in later.
On a fixed rate the lump sum always wins. Real markets aren't fixed, though. A SIP spreads your buying over many prices, which lowers the risk of investing everything just before a fall. This calculator can't model that market timing; it only shows the fixed-rate case.
Why use Mavros
| Mavros | Typical upload sites | |
|---|---|---|
| Modes | SIP, step-up, lump sum and goal in one tool | Separate pages for each |
| Step-up type | Percent or fixed amount | Percent only |
| Monthly rate method | Choice of two, explained | Fixed, not stated |
| Goal with step-up | Yes | Flat SIP only |
| Inflation view | Yes | Rarely |
| Yearly table | Yes, with SIP amount per year | Chart only |
| Sign-up or app prompts | None | Common |
Tips
- Try two or three return rates, like 8%, 10% and 12%. Equity funds don't move in a straight line, and a range is more honest than one number.
- Turn on inflation for long goals. ₹23.2 lakh in 10 years is worth about ₹13 lakh in today's money at 6% inflation.
- Time matters more than amount. 5,000 a month at 12% gives about ₹25.2 lakh in 15 years but ₹50 lakh in 20.
- Gains on mutual funds may be taxed when you redeem. These figures are before tax, exit loads and fund expenses.
- If you want a guaranteed return instead, a bank deposit is simpler. In Bangladesh, the FDR and DPS calculator shows bank maturity after tax.
Questions
How is SIP return calculated?
With M = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is the monthly amount, i the monthly rate and n the number of months. The extra (1 + i) is there because each instalment is made at the start of the month.
How much will a 10,000 SIP give in 10 years?
At an assumed 12% a year, a 10,000 monthly SIP for 10 years is estimated at about ₹23.2 lakh, from ₹12 lakh invested. At 10% it would be about ₹20.7 lakh. Actual results depend on the fund's real returns.
How much SIP do I need for 1 crore?
At 12% a year you need about ₹43,040 a month for 10 years, or about ₹19,800 a month for 15 years. Use the goal planner with your own rate, period and step-up to get your number.
Is SIP return guaranteed?
No. Mutual fund returns depend on the market and can be negative in some years. The calculator uses a steady rate only as a planning assumption, so treat the result as an estimate.
Is a step-up SIP better than a normal SIP?
It builds more wealth because you invest more as your income grows. A 10% step-up on 10,000 a month adds about ₹10.5 lakh over 10 years at 12%. It only works if your budget keeps up with the step.
Is SIP better than lump sum?
At a fixed rate a lump sum ends higher, because all the money compounds from day one. A SIP lowers the risk of investing at a market peak and suits monthly income. Many investors use both.
Does it work for Bangladesh or other countries?
Yes. Pick BDT, PKR, USD or another currency. The math is the same for any monthly investment plan with a steady expected return. For compounding with any frequency, try the compound interest calculator.