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SIP Calculator 📈

Calculate your SIP maturity amount, total investment, estimated returns and wealth gained. Supports regular SIP and Step-Up SIP with year-by-year breakdown.

Estimated Maturity Value
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Total Invested
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Est. Returns
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Wealth Gain %
Total Invested
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Est. Returns
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Maturity Value
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Year-by-Year Breakdown
Year Invested (₹) Returns (₹) Value (₹)

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How to Use the SIP Calculator

1
Choose SIP Mode
Select Regular SIP for a fixed monthly amount, or Step-Up SIP if you plan to increase your investment every year.
2
Enter Monthly Investment
Enter the amount you want to invest every month. Minimum ₹100. For Step-Up SIP, enter the starting amount.
3
Enter Expected Return Rate
Enter the expected annual return percentage. Use 10–12% for equity mutual funds, 6–7% for debt funds.
4
Enter Investment Duration
Enter the number of years you plan to stay invested. The power of compounding increases significantly after 10+ years.
5
View Results
See maturity amount, total invested, estimated returns, wealth gain %, donut chart breakdown, and year-by-year table.

About This SIP Calculator

TheAshNow SIP Calculator uses the standard compound interest formula for SIPs as defined by SEBI and followed by all Indian mutual fund houses. All calculations run entirely in your browser — no data is uploaded or stored.

SIP Formula

The maturity value of a regular SIP is calculated using:

M = P × [(1 + r)ⁿ – 1] / r × (1 + r)
where: P = monthly investment, r = monthly rate (annual rate ÷ 12 ÷ 100), n = total months

Step-Up SIP Formula

For Step-Up SIP, the monthly amount increases every year by the step-up percentage. The total maturity is the sum of individual year SIPs each compounded for their remaining duration:

Each year: P_y = P × (1 + s)^(y-1)
Months remaining after year y ends: (n – y) × 12
Total M = Σ FV of each year's SIP

What is SIP?

A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly (usually monthly) into a mutual fund scheme. It enforces financial discipline and benefits from rupee cost averaging — buying more units when markets are down and fewer when markets are up.

Why use SIP?

SIP harnesses the power of compounding over time. Even a modest ₹5,000/month at 12% annual return over 20 years grows to over ₹49 lakhs, while total investment is only ₹12 lakhs — a 4x wealth gain. Starting early and staying invested makes the biggest difference.

Frequently Asked Questions

A SIP calculator estimates the maturity value of your Systematic Investment Plan based on monthly investment, expected annual return rate and investment duration. It uses the standard compound interest formula used by AMFI and SEBI-registered mutual funds.
SIP Maturity = P × [(1 + r)ⁿ – 1] / r × (1 + r), where P is monthly investment, r = annual rate ÷ 12 ÷ 100, and n = total months. Each monthly instalment compounds for the remaining duration of the investment period.
Equity mutual funds have historically delivered 10–15% annual returns over the long term in India. Use 12% as a conservative estimate. Debt/liquid funds typically give 6–8%. Hybrid funds fall in between at 8–10%.
A Step-Up SIP increases your monthly investment by a fixed percentage every year. For example, starting with ₹5,000/month and increasing 10% annually means investing ₹5,500 in Year 2, ₹6,050 in Year 3, and so on. This accelerates wealth creation significantly.
The calculator uses the exact SIP compound interest formula — results are mathematically precise. However, actual mutual fund returns depend on market performance and NAV fluctuations. Treat results as estimates for financial planning purposes.
Yes, 100% free. No signup, no registration. Everything runs in your browser — no data is sent to any server.