Calculator Guide

How to Calculate SIP Returns (with Examples)

Want to know how much your SIP will grow? Here’s the easiest way to calculate SIP returns using formula, CAGR, and SIP calculators.

Why calculate SIP returns?

Before investing, you should estimate the maturity value of your SIP. This helps you align investments with your goals—education, marriage, or retirement planning.

Formula for SIP returns

The SIP return formula uses the future value of annuity formula. But don’t worry about math—just try our SIP Calculator

Step-Up SIP returns

By adding a yearly increase in SIP contribution (5–10%), you accelerate your wealth building. Our calculator shows how a step-up SIP multiplies corpus compared to fixed SIP.

Example

Future Value ≈ ₹25.5 Lakhs. Add a step-up of 10%, and it jumps closer to ₹36 Lakhs.

Quick tip: Always use multiple calculators (SIP, one-time, compare) to plan accurately.
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* SIPGenie articles are generated from multiple sources and reviewed by AI, is for informational purposes only. It is not investment advice; please consult a qualified financial advisor before making any investment decisions.