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Investment planning

Mutual Fund SIP Calculator

Estimate the future value of regular monthly investments using your expected annual return, tenure, and optional yearly step-up.

Investment scenario
Calculations use monthly compounding and assume each contribution is invested at the beginning of the month. Returns are estimates, not guarantees.
Estimated outcome

Amount invested

$600,000

Estimated gains

$561,695

Estimated value

$1,161,695

Total
value
Invested amount$600.00K
Estimated gain$561.70K
Year-by-year projection
YearInvestedEstimated gainEstimated value
1$60,000$4,047$64,047
2$120,000$16,216$136,216
3$180,000$37,538$217,538
4$240,000$69,174$309,174
5$300,000$112,432$412,432
6$360,000$168,785$528,785
7$420,000$239,895$659,895
8$480,000$327,633$807,633
9$540,000$434,108$974,108
10$600,000$561,695$1,161,695
How to use the Mutual Fund SIP Calculator
1

Enter your monthly SIP

Set the fixed amount you plan to invest each month.

2

Choose an expected return

Enter a reasonable annualized return assumption for your scenario.

3

Set tenure and step-up

Choose the investment period and optionally increase the SIP each year.

4

Review the projection

Compare total contributions with estimated gains and year-by-year value.

Mutual Fund SIP Calculator FAQ

What is a mutual fund SIP?

A systematic investment plan invests a fixed amount into a mutual fund at regular intervals, usually monthly.

What does step-up SIP mean?

A step-up raises your monthly contribution by a chosen percentage each year, often to reflect growing income.

Does the calculator include taxes or fees?

No. Expense ratios, exit loads, taxes, and transaction costs are not included.

Are the projected returns guaranteed?

No. Mutual fund returns vary with markets. The expected return is only a user-provided planning assumption.

Disclaimer: This calculator provides an illustrative projection only. It is not investment advice and does not predict or guarantee mutual fund performance.