The formula
FV = P × [(1 + i)n − 1] ÷ i
- P
- your monthly SIP
- i
- yearly return ÷ 12 ÷ 100
- n
- number of monthly instalments
SIP calculator
See what a monthly SIP could grow to, with a yearly step-up and money you’ve already invested, and read the answer in lakh and crore.
- Free, no sign-up
- Runs in your browser
- Year-by-year table
Start from
₹
₹500₹2,00,000
% a year
1%30%
years
1Y40Y
%
0%Raise the SIP each year50%
₹
₹0Optional₹50,00,000
In 10 years, your SIP could be worth
₹33,40,917
≈ ₹33.41 lakh1.7× what you put in
- You invest
- ₹19,12,491
- 57% of the total
- Est. returns
- ₹14,28,426
- 43% of the total
How it grows, year by year
Invested so farReturns so far
Started the SIP? Finnri shows it before it’s due each month, and you mark it paid in a tap.
See FinnriProjections are estimates based only on the assumptions provided; they are informational, not forecasts or financial advice. Returns compound monthly and each instalment is counted at the end of its month.
How it works
The maths, in plain numbers.
Every month’s instalment earns the yearly rate divided by 12, from the month it goes in. Here’s what that means with real figures.
A worked example
₹5,000 a month for 10 years at 12% a year:
₹11,50,193
You put in ₹6,00,000; the other ₹5.5 lakh is growth. Leave it for 20 years instead and it’s about ₹49.46 lakh.
Why step-up matters
The same SIP, raised 10% every year:
₹16,70,459
That’s ₹5.2 lakh more than the flat SIP, for ₹3.56 lakh more of your own money.
FAQ
SIP calculator questions
What is a SIP calculator?
A SIP calculator estimates what a fixed monthly investment could be worth after a number of years at an assumed yearly return. This one also handles a yearly step-up and money you have already invested, and shows the result year by year.
How is SIP return calculated?
Each month's instalment earns the monthly rate (the yearly rate ÷ 12) from the month it is invested. For a flat SIP that is FV = P × [(1 + i)^n − 1] ÷ i. For example, ₹5,000 a month at 12% for 10 years comes to about ₹11,50,193, of which ₹6,00,000 is your own money.
What is a step-up SIP?
A step-up SIP raises the monthly amount by a fixed percentage once a year, usually in line with a pay rise. Stepping ₹5,000 up by 10% a year for 10 years at 12% gives about ₹16,70,459, against ₹11,50,193 without the step-up.
What return should I assume?
Use a rate you are comfortable planning around, not the best year you remember. The presets are starting points only: PPF, NPS and RD rates change, and equity fund returns vary from year to year. Trying a lower rate as well shows how much the answer depends on it.
Do I need to sign up to use it?
No. The calculator is free, needs no account, and runs entirely in your browser; nothing you type is sent anywhere.
Are these returns guaranteed?
Projections are estimates based only on the assumptions provided; they are informational, not forecasts or financial advice.
From Finnri
Your SIP, your spends, one place.
Finnri tracks day-to-day money by voice or text, shows your SIPs and EMIs before they’re due, and keeps it all without a bank login.