This free SIP calculator shows you the future value of a Systematic Investment Plan so you can see how small, steady monthly investments grow into a meaningful corpus over time. Enter your monthly amount, expected annual return, and time period to instantly see your total invested, estimated returns, and final value. Turn on step-up to model rising contributions, switch to any currency, and expand the year-by-year breakdown. No signup required.
Long-run equity returns often assumed at 10–12%. Use a lower figure for a cautious estimate.
How many years you plan to keep investing.
Total Value
$2,323,390.76
Roughly $2.32m after 10 years — your money grows 1.94×
Total Invested
$1,200,000.00
Est. Returns
$1,123,390.76
Composition
48.35% returns
Investing through SIPs? Track every contribution and watch your portfolio grow in real time with Auritrack.
Try Auritrack FreeType the amount you plan to invest every month through your SIP. Use the currency selector in the top-right to switch to your local currency — the tool supports every major currency.
Enter the annual return you expect from the fund or portfolio, as a percentage. Equity SIP investors often model 10-12%, while more cautious estimates use 7-9%. This is an assumption, not a guarantee.
Set how many years you plan to keep investing. SIPs reward patience — the longer your horizon, the larger the share of your final value that comes from compounding rather than your own contributions.
Turn on Step-up SIP to raise your monthly amount by a fixed percentage each year, mirroring how your income grows. A 10% annual step-up can dramatically increase your final corpus.
Instantly see your total value, total invested, and estimated returns. Expand the year-by-year breakdown to watch your portfolio grow and see how invested capital and returns split over time.
A Systematic Investment Plan, or SIP, is a method of investing a fixed amount at regular intervals rather than all at once. Most commonly you invest every month into a mutual fund, index fund, or exchange-traded fund. The idea is simple but powerful: instead of trying to time the market, you invest a set amount on a set date and let consistency do the work. Because you buy more units when prices are low and fewer when prices are high, your average cost per unit is smoothed out over time. This effect is known as dollar-cost averaging (or rupee-cost averaging in India, where SIPs are especially popular). SIPs turn investing into a habit, remove the emotional pressure of deciding when to buy, and make it possible to build wealth on a modest, predictable monthly budget.
A SIP is mathematically the future value of an annuity. Each monthly contribution starts compounding from the day it is invested, so your very first instalment grows for the entire period while your last one grows for only a month. The standard formula is shown below, where each contribution is treated as invested at the start of the month.
FV = P × ((1 + i)n − 1) / i × (1 + i)
Where P = monthly investment, i = monthly return (annual rate ÷ 12), n = total number of months
For example, investing 10,000 a month at a 12% annual return for 10 years grows to roughly 2,323,000 — even though you only contributed 1,200,000. That extra 1,123,000 is the return generated by compounding on your accumulating balance. The longer your horizon, the larger the share of your final value that comes from growth rather than your own deposits. If you want to explore the raw mechanics of compounding in more detail, our compound interest calculator lets you vary the compounding frequency and see the curve for a single lump sum.
A common question is whether it is better to invest a large amount all at once or to spread it out through a SIP. Both have a place. A lump sum puts your entire amount to work immediately, so in a steadily rising market it usually ends with a higher value because every dollar compounds for the full period. The catch is timing risk: if you invest a large sum just before a market fall, you feel the full drop straight away. A SIP spreads your entry across many months and prices, which reduces the chance of a badly timed single purchase and makes market volatility work in your favour through averaging. For most people the choice is settled by cash flow rather than theory: you earn and save monthly, so a SIP fits naturally. If you do receive a windfall, a common approach is to invest part as a lump sum and stagger the rest.
A step-up SIP, sometimes called a top-up SIP, automatically raises your monthly contribution by a fixed percentage every year. The logic is that your income tends to rise over time, so your investing should rise with it. A 10% annual step-up on a 10,000 monthly SIP means you invest 11,000 in year two, 12,100 in year three, and so on. Because those larger contributions still have years left to compound, the impact on your final corpus is far bigger than the extra amount you put in. Step-ups are one of the easiest ways to accelerate wealth building without a painful jump in your current budget, since each increase is small and predictable. Toggle the step-up option in the calculator above to compare a flat SIP against a rising one and see the gap widen over the years.
The single biggest driver of your projection is the return rate you assume, so it pays to be honest with yourself. Broad equity markets have historically delivered around 10 to 12% per year over long stretches before inflation, but that figure hides big swings from year to year and is never guaranteed. A sensible approach is to model a range rather than a single number: try a hopeful rate, a middle-of-the-road rate, and a cautious rate, then plan around the conservative end. Equity-heavy portfolios are often modelled at 10 to 12%, balanced portfolios at 8 to 10%, and debt-oriented or conservative portfolios at 6 to 8%. Remember that a projection at 12% and one at 8% can differ enormously over twenty years, so under-promising to yourself protects your plan. It is also worth checking your result against inflation, because a nominal return of 10% during 4% inflation is really closer to 6% in purchasing power.
SIPs work best when they are attached to a specific goal with a number and a deadline: retirement, a child’s education, a home down payment, or simply a long-term wealth target. Once you know the amount you are aiming for and the time you have, you can work backwards to the monthly investment required, then use a step-up to close any gap as your income grows. Keep your money invested through market dips rather than stopping your SIP when things look bad — those are precisely the months when your fixed contribution buys the most units. If your goal is shorter-term or you want a cash target rather than a market-linked projection, our savings goal calculator works out exactly how much to set aside each month to hit a fixed amount by a chosen date. Pairing a clear goal with a disciplined, automated SIP is one of the most reliable ways to build long-term wealth.
See how your money grows over time with daily, monthly, or yearly compounding. Visualize growth with interactive charts.
Find out how much to save each month to reach your target by your deadline. Visualize your progress toward any goal.
See how purchasing power changes over time. Calculate the real value of money across any year range.
Find the number where you can stop saving and let compounding carry you to retirement. See your Coast FIRE age and target instantly.
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Auritrack helps you log every contribution, monitor your portfolio value in real time, and stay on track toward your goals. Works in any currency with AI-powered insights. Free to start.
Disclaimer: This tool is provided for informational and educational purposes only. It does not constitute financial, tax, investment, or legal advice. Results are estimates based on the inputs you provide and may not reflect actual financial outcomes. Always consult a qualified financial professional before making financial decisions.
