BYTETOOLS

SIP Calculator

Calculate the maturity value of a monthly SIP from your instalment, expected return and duration, with the invested-versus-returns split and a yearly table.

₹1,161,695
Maturity value
₹600,000
Amount invested
₹561,695
Estimated returns

Returns are 93.6% on top of what you put in — 51.6% of the final value is your own money and the rest is growth.

Year-wise growth

YearInvestedValueReturns
1₹60,000₹64,047₹4,047
2₹120,000₹136,216₹16,216
3₹180,000₹217,538₹37,538
4₹240,000₹309,174₹69,174
5₹300,000₹412,432₹112,432
6₹360,000₹528,785₹168,785
7₹420,000₹659,895₹239,895
8₹480,000₹807,633₹327,633
9₹540,000₹974,108₹434,108
10₹600,000₹1,161,695₹561,695

Uses FV = P × (((1 + i)ⁿ − 1) / i) × (1 + i) with instalments at the start of each month. Returns are assumed constant; real funds fluctuate, and expense ratios, exit loads and tax are not deducted. Illustration only, not financial advice.

What is the SIP Calculator?

The ByteTools SIP Calculator works out what a systematic investment plan is likely to be worth at maturity.

  • Standard SIP future-value formula with instalments at the start of each month
  • Clear split of amount invested versus estimated returns
  • Optional annual step-up to model rising contributions
  • Year-wise growth table showing the balance building
  • Any currency symbol; no fund data or live NAVs involved
  • Runs offline in your browser; illustrations only, not advice

How to use the SIP Calculator

  1. 1

    Enter the amount you invest each month.

  2. 2

    Set the expected annual return percentage for your fund.

  3. 3

    Choose the investment period in years.

  4. 4

    Optionally add an annual step-up percentage to grow your instalment each year.

  5. 5

    Read the maturity value, total invested and estimated returns, then open the yearly table.

About the SIP Calculator

The ByteTools SIP Calculator works out what a systematic investment plan is likely to be worth at maturity. Enter your monthly instalment, an expected annual return and how many years you will keep investing, and it applies the standard SIP future-value formula, FV = P × (((1 + i)ⁿ − 1) / i) × (1 + i), where i is the monthly rate and n the number of instalments.

The results separate the total you actually invested from the growth on top of it, which is the number most people are really looking for. A year-wise table shows the balance building up instalment by instalment, and a step-up option models increasing your contribution by a fixed percentage each year.

Everything is computed in your browser with no market data, no fund lookups and nothing uploaded. Returns are assumed to be constant, whereas real funds move up and down, so the maturity value is an illustration for planning and not a promise or financial advice.

Frequently asked questions

How is SIP maturity value calculated?

With the future value of an annuity due: FV = P × (((1 + i)ⁿ − 1) / i) × (1 + i), where P is the monthly instalment, i is the annual return divided by 12, and n is the number of months. For example, ₹5,000 a month for one year at 12% gives about ₹64,047.

What return should I assume in a SIP calculator?

Use the long-term average you expect from the fund category rather than last year's number. Equity funds are usually modelled somewhere in the 10–14% range and debt funds much lower, but past performance does not set future returns, so test a pessimistic figure too.

What is a step-up SIP?

A step-up SIP raises your monthly instalment by a set percentage every year, usually in line with your salary. Because the extra money goes in early enough to compound, even a 10% annual step-up can lift the maturity value substantially over a long period.

Is a SIP better than a lump sum investment?

A SIP spreads your entry across many prices, which reduces the risk of investing everything at a peak, and it matches how most people earn money. A lump sum invested earlier has more time to compound. This calculator models the SIP side; use a future value calculator for the lump sum.

Does the calculator account for expenses, exit load or tax?

No. It projects a gross maturity value. Subtract the fund's expense ratio from your expected return for a closer figure, and remember that any exit load or capital gains tax is charged when you redeem.

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