SIP & Compound Interest Calculator
Project a monthly SIP, step-up SIP or lump sum, with gains, a yearly table and today's value.
₹1 lakh
Optional. Invested at the start of every month.
Raise the SIP every 12 months, for example 10%.
SIP instalments compound monthly.
- Invested47.5%₹7,00,000
- Gains52.5%₹7,72,280
- Final value₹14,72,280
- From the lump sum
- ₹3,10,585
- From the SIP
- ₹11,61,695
Returns are assumed steady; real market returns vary and are not guaranteed. Tax and fees are not included.
| After | Invested | Gains | Value |
|---|---|---|---|
| 1 year | ₹1,60,000 | ₹16,047 | ₹1,76,047 |
| 2 years | ₹2,20,000 | ₹41,656 | ₹2,61,656 |
| 3 years | ₹2,80,000 | ₹78,031 | ₹3,58,031 |
| 4 years | ₹3,40,000 | ₹1,26,526 | ₹4,66,526 |
| 5 years | ₹4,00,000 | ₹1,88,666 | ₹5,88,666 |
| 6 years | ₹4,60,000 | ₹2,66,167 | ₹7,26,167 |
| 7 years | ₹5,20,000 | ₹3,60,963 | ₹8,80,963 |
| 8 years | ₹5,80,000 | ₹4,75,229 | ₹10,55,229 |
| 9 years | ₹6,40,000 | ₹6,11,415 | ₹12,51,415 |
| 10 years | ₹7,00,000 | ₹7,72,280 | ₹14,72,280 |
SIP & Compound Interest Calculator FAQ
How is SIP return calculated?
Each monthly instalment grows from the month it is invested. The total is FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the SIP, i the monthly rate (yearly rate ÷ 12) and n the number of months. ₹10,000 a month at 12% for 10 years grows to about ₹23.23 lakh.
How much SIP do I need for ₹1 crore?
At an assumed 12% a year, about ₹43,000 a month for 10 years, about ₹20,000 for 15 years or about ₹10,000 for 20 years. Try your own amount and duration here; a yearly step-up lowers the starting SIP.
What is the difference between simple and compound interest?
Simple interest is paid only on the original amount. Compound interest is also earned on earlier interest, so the balance grows faster the longer you stay invested and the more often interest is added.
What is a step-up SIP?
A SIP that rises by a fixed percentage every year, for example 10%, usually in line with your salary. Because larger amounts get more years to grow, it can build a much bigger corpus than a flat SIP.
Why adjust for inflation?
Prices rise over time, so ₹1 crore in 20 years will buy less than ₹1 crore today. The inflation option divides the final value by the rise in prices to show what it is worth in today's money.
Is anything I enter saved or uploaded?
No. The calculation runs in your browser and nothing is stored or sent anywhere.