Monthly SIP
₹10,000 a month for 10 years at 12% works out to ₹12,00,000 invested and about ₹23,23,391 in total value — the extra ₹11,23,391 is the estimated return.
Free planning tool · No sign-up
SIP calculator
Find out what your monthly investment could grow into. Enter the amount, the return you expect and how long you will stay invested, and the calculator shows the invested amount, the estimated returns and the total value, year by year.
- Monthly & step-up SIP
- Lumpsum option
- Inflation adjusted
- Downloadable image
Your projection
- Invested amount₹0
- Estimated returns₹0
Total value₹0
Value in today’s money:
How your money grows
- Invested
- Estimated returns
Year 1End of term
See the year by year table
Please note: this calculator is an illustration only, based on the numbers you enter. Mutual fund and other market-linked investments are subject to market risks and the returns shown are not guaranteed. Easy Buy Policy is an insurance advisory and does not sell mutual funds; nothing here is investment advice. Please read all scheme related documents carefully before investing.
The maths
How the SIP calculator works
A SIP grows because every instalment starts earning from the month you pay it. The standard formula used across India is:
M = P × ( [ (1 + i)n − 1 ] ÷ i ) × (1 + i)
M = maturity value · P = your monthly instalment · i = expected annual return ÷ 12 ÷ 100 · n = number of instalments
Step-up SIP
Raise the same ₹10,000 by 10% every year and you invest more over the ten years, so the projected value rises well above a flat SIP for the same period.
Lumpsum
A one-time amount compounds yearly: M = P × (1 + r)years. ₹1,00,000 at 12% for 10 years projects to about ₹3,10,585.
Plan and protect
A long-term plan needs a safety net
Most SIPs stop for one of three reasons: a hospital bill, a job loss, or the death of the earning member. Insurance is what keeps the plan running when life goes wrong, which is why we built this free tool for our customers in Tamil Nadu.
Talk to an advisor- Term insuranceIf something happens to you, your family receives a lump sum and the goal you were saving for is still funded.
- Health insuranceA single hospital admission can wipe out years of savings. Cover keeps your investments untouched.
- Emergency fund firstKeep six months of expenses in a savings account or liquid fund before you raise your SIP amount.
- Cover for your teamRunning a business? Group health and group term cover protect your employees and your balance sheet.
FAQs
SIP calculator questions
Common questions about SIP returns and how this tool calculates them.
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How does this SIP calculator work?
It compounds your instalment every month. Each month we add your instalment to the running balance and grow the total by one twelfth of the expected annual return, which is the standard method used by SIP calculators in India. The yearly step-up option raises your instalment once every twelve months, and the lumpsum option compounds a one-time amount every year.
Are the returns shown here guaranteed?
No. The figures are an illustration based on the expected return you type in. Market-linked investments such as mutual funds do not give a fixed return, so your actual value will be higher or lower. Use the calculator to compare goals and instalment amounts, not as a promise of returns.
What is a step-up SIP?
A step-up or top-up SIP increases your monthly instalment by a fixed percentage every year, usually in line with your salary. Even a 10 percent yearly step-up can add a large amount to the final value, because the extra money also stays invested for many years.
What return should I assume?
Many investors use 10 to 12 percent a year for equity funds over a long period, 7 to 9 percent for hybrid funds and 6 to 7 percent for debt funds, before tax. Past performance is not a guide to the future, so it is safer to check the plan again with a lower return.
Does Easy Buy Policy sell mutual funds?
No. We are insurance advisors. This calculator is a free planning tool. We help you protect the goal you are saving for with the right term insurance, health insurance and other cover, so that an emergency does not force you to stop your investment.
Can I save the result?
Yes. Click Download as image and the calculator creates a bill-style PNG with your inputs, the projection and our logo. You can keep it, print it or send it to us on WhatsApp for advice.
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Easy Buy Policy helps families and businesses in Chennai, Coimbatore and across Tamil Nadu get health insurance, term and life insurance, motor insurance, home insurance, business insurance and group health insurance for employees. We compare plans from leading insurance companies, explain the cover and exclusions in simple words, and help you choose a policy that suits your needs and budget. We stay with you for renewals and claims, and you can talk to us in English or Tamil.
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