SIP Calculator
How it works
A SIP invests the same amount every month, so each instalment compounds for a different length of time — the first one for the whole period, the last one for a single month. The calculator steps through the months one at a time at your expected rate and adds up where each instalment lands, which is why the table below reconciles exactly with the total above it.
"Invested" is the money you put in; everything above it is return. Over long periods the gain overtakes the invested amount, and the year-by-year table is where that crossover becomes visible.
Putting in one lump sum rather than a monthly instalment? The compound interest calculator handles that case.
Frequently asked questions
Does this account for a step-up in the instalment?
No — it assumes the same amount every month for the whole period. A step-up SIP, where the instalment rises each year, will finish higher than the figure here.
Why is the return called "expected"?
Because it is an assumption, not a promise. Market-linked investments do not return a fixed rate; the calculator shows what a steady rate would produce, which is a projection rather than a forecast.
When is each instalment counted?
At the start of the month, which is how SIP returns are conventionally calculated. Every instalment therefore earns that month’s return as well.