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SIP Calculator

Free SIP calculator: see the maturity value, total invested and estimated returns for a monthly SIP in rupees, with a year-by-year growth chart.

Results update instantly.Change any value and the estimate recalculates on the spot.

Money

SIP calculator

Estimate the future value of monthly systematic investments.

₹
%
years

Estimated future value

-

  • Total invested-
  • Estimated returns-
  • Monthly installments-
Future valueInvested

Illustrative only. Assumes monthly compounding and deposits at the beginning of each month. Market returns are not guaranteed.

What a SIP projection shows

A systematic investment plan invests a fixed amount on a regular schedule. This projection separates the money invested from the estimated market growth.

Future value = monthly investment x annuity-due growth factor

नोट: यह केवल अनुमान है. वास्तविक रिटर्न बाजार के साथ बदलता है.

Does SIP guarantee the shown return?
No. The return rate is an assumption, not a promise.
Why are values shown in rupees?
SIP is especially common in India, so this calculator uses Indian rupee formatting.

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How it works

How the SIP Calculator works

Quick answer: Investing ₹10,000 a month for 10 years at an expected 12% a year grows to about ₹23,23,391. You invest ₹12,00,000; estimated returns are ₹11,23,391.

Formula

FV = P × ((1 + i)^n − 1) ÷ i × (1 + i)

P is the monthly investment, i the annual rate ÷ 12, and n the number of monthly instalments. The (1 + i) term assumes each instalment is invested at the start of the month.

Worked example

₹10,000 a month, 12% a year, 10 years (120 instalments). Future value: ₹23,23,391.

₹10,000 a month at 12%

YearsInvestedFuture value
5 years₹6,00,000₹8,24,864Open
10 years₹12,00,000₹23,23,391Open
15 years₹18,00,000₹50,45,760Open
20 years₹24,00,000₹99,91,479Open
25 years₹30,00,000₹1,89,76,351Open

Assumptions and limits

  • Mutual fund returns are not guaranteed and vary with markets.
  • Expense ratios, exit loads, and capital gains tax are not deducted.

Frequently asked questions

What is SIP?

A systematic investment plan invests a fixed amount on a regular schedule.

Are SIP returns guaranteed?

No. The entered rate is an assumption and market returns vary.

Is SIP return the same as CAGR?

No. Because money goes in monthly, SIP performance is measured with XIRR, which accounts for each instalment's timing.

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