About this calculator
Each monthly instalment is invested at the start of the month and grows at the monthly rate r = yearly return ÷ 12. Without a step-up, the value is P × ((1 + r)n − 1) ÷ r × (1 + r). A step-up raises the monthly amount by the same percentage every year.
Worked example
Investing 5,000 a month for 10 years at 12% a year grows to about 1,161,695 from 600,000 invested. Raise the amount by 10% each year and it reaches about 1,687,163.
How to use the sip calculator
- Enter the monthly investment.
- Enter the expected return (per year).
- Enter the time period.
- Enter the yearly step-up (optional).
- Read the result — it updates as you type.
Frequently asked questions
How much will 5,000 a month grow to in 10 years at 12%?
About 11.6 lakh (1,161,695) from 600,000 invested.
Is 12% a realistic return?
Past equity returns have been around that level in some markets, but nothing is guaranteed. Try a lower rate too, to see a cautious outcome.