SIP Calculator Widget

Add a SIP calculator for mutual-fund readers. They enter a monthly amount, an expected return and a period, optionally raise the SIP every year, and see the invested amount, estimated returns and a year-by-year table.

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<iframe src="https://a2z.tools/embed/w/sip-calculator" title="SIP Calculator by A2Z Tools" width="100%" height="820" style="border:0;width:100%" loading="lazy" allow="clipboard-write"></iframe>

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How it works

Without a step-up the widget uses the same SIP formula as the A2Z SIP Calculator: the future value of an annuity-due, with each instalment invested at the start of the month and growing at the annual rate divided by 12. With a step-up the instalment rises by the chosen percentage after every 12 instalments, and the fund is grown month by month so each year's larger instalments earn for the right length of time. The expected return is an assumption the reader chooses, not a forecast: mutual-fund NAVs move daily and the regulator-mandated caution applies. The yearly table lists the instalment in force, the cumulative amount invested and the estimated value at each year end, so readers can see compounding take over in the later years.

Calculation method

  • FV = P x [((1 + i)^n - 1) / i] x (1 + i)
  • P = monthly instalment, i = expected annual return / 12 / 100, n = months (years x 12)
  • Step-up: instalment in year k = P x (1 + s)^(k - 1), s = annual step-up / 100
  • Each month (step-up): value = (value + instalment) x (1 + i)
  • Rounding: calculated unrounded; values are displayed in whole currency units

Worked examples

Flat SIP of 5,000 a month

Inputs: 5,000 a month; expected return 12% a year; 10 years; no step-up

Result: Estimated value 11,61,695; amount invested 6,00,000; estimated returns 5,61,695

Start-of-month instalments: i = 1% a month over 120 instalments.

Same SIP with a 10% yearly step-up

Inputs: 5,000 a month rising 10% each year; 12%; 10 years

Result: Estimated value 16,87,163; amount invested 9,56,245; estimated returns 7,30,918

The instalment reaches 11,790 in year 10; the step-up adds 5,25,468 of value for 3,56,245 of extra investment.

Limitations

  • Uses one constant return for every month; real funds have volatile returns and the order of returns changes the outcome.
  • Monthly SIPs only; weekly, quarterly and daily SIPs and SIP dates within the month are not modelled.
  • No exit load, stamp duty, capital-gains tax or inflation adjustment.
  • Converts the annual return to a monthly rate by dividing by 12 (the convention SEBI's calculator also uses) rather than the effective-rate conversion.
  • Missed instalments, pauses, switches between schemes and lock-in periods such as ELSS's are not modelled.

Where publishers use it

  • Mutual-fund distributors' and advisors' websites
  • Personal-finance blogs comparing a flat SIP with a step-up SIP
  • Salary and appraisal articles showing what raising a SIP by 10% a year does
  • Investor-education pages explaining rupee-cost averaging
  • Child-education and marriage-goal planners published by wealth managers and neo-brokers

Questions

Is the estimated value guaranteed?

No. Equity and hybrid funds do not grow at a fixed rate and can fall. The widget assumes a constant return to show the effect of time and regular investing; AMFI's own calculator carries the same warning that mutual funds have no fixed rate of return.

What is a step-up SIP?

A SIP whose instalment increases by a fixed percentage each year, usually in line with salary growth. 5,000 a month stepped up 10% a year for 10 years puts in 9,56,245 instead of 6,00,000.

Why is this higher than SEBI's investor calculator?

SEBI's SIP calculator treats each instalment as invested at the end of the month; this widget assumes the start, so every instalment earns one more month. The difference is exactly a factor of (1 + i): at 12% a year, 1% more.

Does it account for exit load or tax?

No. Expense ratios are already reflected in a fund's returns, but exit loads and capital-gains tax, which depends on the holding period and fund type, are not included.

How much does starting five years earlier matter?

At 5,000 a month and 12%, 15 years grows to about 25,22,880 on 9,00,000 invested, while 20 years grows to about 49,95,740 on 12,00,000 - the extra five years add 3 lakh of instalments but nearly double the estimated value.

What return should I assume?

Use a cautious figure for the fund category and test a lower one too: the same 5,000 a month for 10 years is about 11,61,695 at 12% but 9,20,828 at 8%. Past NAV growth is not a promise of future returns.

Where do units and NAV come in?

In a real SIP each instalment buys units at that day's NAV, so more units are bought when prices are low (rupee-cost averaging). The widget skips units and applies a smooth rate, which is why it cannot show the effect of a market fall.

Can a SIP build a corpus of two crore?

At an assumed 12% a year, 10,000 a month for 25 years is estimated at about 1,89,76,351 on 30 lakh invested, so roughly 10,500 a month would be needed for two crore on that assumption. A lower actual return would need more.

Is XIRR the same as the return entered here?

Only if returns were perfectly steady. Fund platforms report a SIP's performance as XIRR, the annualised rate that fits your actual dated instalments and current value. This widget works the other way: you supply the rate and it projects a value.

Sources

  1. SIP Calculator (assets/calculators/calculators.js) - SEBI Investor website, Securities and Exchange Board of India . Uses rate / (12 x 100) per month and an end-of-period annuity; this widget uses start-of-month instalments. Checked 2026-10-01.
  2. SIP Calculator - Mutual Funds Sahi Hai, Association of Mutual Funds in India (AMFI) . Industry investor-education calculator; its disclaimer that mutual funds have no fixed rate of return applies here too.

Cite or recommend this tool

If you reference this tool in an article, course or documentation, these formats are ready to copy. They are optional - nothing is added to your site unless you paste it.

A2Z Tools SIP Calculator
https://a2z.tools/sip-calculator

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