Calculator
SIP Calculator
A Systematic Investment Plan (SIP) is a fixed monthly investment into a mutual fund. Because each instalment buys units at different prices and returns compound over time, even modest monthly amounts may grow into a meaningful corpus over long horizons. This calculator estimates how much a monthly SIP may grow to, how much you actually invest, and the wealth potentially gained — so you can set a realistic monthly amount for goals like a home, education, or retirement. The figures are estimates based on an assumed return, not a promise.
In shortA SIP calculator estimates the future value of regular monthly mutual fund investments from three inputs — your monthly amount, the expected annual return, and how many years you invest — using the standard SIP future-value formula. For example, ₹10,000 a month for 15 years at an assumed 12% gives an estimated ₹50,45,760, of which ₹18,00,000 is your own money and about ₹32,45,760 is estimated wealth gained.
Amount invested every month.
Long-term equity funds have historically returned ~10–13%. Not guaranteed.
How long you keep investing.
Most Indian SIP calculators assume each instalment is invested at the start of the month. End-of-month gives a slightly lower value.
Invested vs wealth gained over time
- Invested
- Gains
View yearly breakdown
| Year | Invested | Gains | Total |
|---|---|---|---|
| Y1 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| Y2 | ₹2,40,000 | ₹32,432 | ₹2,72,432 |
| Y3 | ₹3,60,000 | ₹75,076 | ₹4,35,076 |
| Y4 | ₹4,80,000 | ₹1,38,348 | ₹6,18,348 |
| Y5 | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 |
| Y6 | ₹7,20,000 | ₹3,37,570 | ₹10,57,570 |
| Y7 | ₹8,40,000 | ₹4,79,790 | ₹13,19,790 |
| Y8 | ₹9,60,000 | ₹6,55,266 | ₹16,15,266 |
| Y9 | ₹10,80,000 | ₹8,68,215 | ₹19,48,215 |
| Y10 | ₹12,00,000 | ₹11,23,391 | ₹23,23,391 |
| Y11 | ₹13,20,000 | ₹14,26,148 | ₹27,46,148 |
| Y12 | ₹14,40,000 | ₹17,82,522 | ₹32,22,522 |
| Y13 | ₹15,60,000 | ₹21,99,311 | ₹37,59,311 |
| Y14 | ₹16,80,000 | ₹26,84,180 | ₹43,64,180 |
| Y15 | ₹18,00,000 | ₹32,45,760 | ₹50,45,760 |
Default assumes each instalment is invested at the start of the month (annuity-due), matching most Indian SIP calculators; switch “SIP timing” to end-of-month to match calculators that assume that instead. Returns are assumed constant and compounded monthly — real markets are volatile and returns are not guaranteed. This is an illustration, not a promise.
What your result means
- Most of the maturity value appears in the final years — that back-loaded curve is compounding, so the single biggest lever is simply staying invested longer.
- The figure assumes a steady return, but real markets zig-zag; judge a SIP over 7+ years, never on one bad year.
- A step-up SIP (raising the amount ~10% a year as your income grows) reaches the same goal with a much smaller starting amount.
How to use this calculator
- Enter the amount you can invest every month without straining your budget.
- Set a realistic expected return — 10–12% for diversified equity funds over the long term, lower for hybrid or debt funds.
- Choose how many years you will keep investing.
- Leave “SIP timing” on beginning-of-month to match most calculators, or switch to end-of-month to match a specific one.
- Read the estimated maturity value, then compare it against “total invested” to see how much is compounding, and open the yearly breakdown to see the path.
- If the corpus falls short of your goal, increase the monthly amount or extend the period.
The formula
Maturity = M × [((1 + i)ⁿ − 1) ÷ i] × (1 + i), where M = monthly investment, i = monthly return (annual ÷ 12 ÷ 100), and n = number of months (years × 12). The final ×(1 + i) applies for a beginning-of-month SIP (annuity-due); drop it for an end-of-month SIP. If the return is 0%, maturity simply equals M × n. Wealth gained = Maturity − (M × n).
Worked example
Investing ₹10,000 a month for 15 years at an assumed 12% a year (monthly rate i = 0.01, n = 180 instalments, invested at the start of each month): the estimated maturity value is ₹50,45,760 against ₹18,00,000 actually invested — about ₹32,45,760 of estimated wealth gained through compounding. Switching to an end-of-month SIP gives ₹49,95,802 instead, a difference of roughly ₹50,000 purely from timing. Keeping the same SIP going for 25 years raises the estimate to about ₹1.9 crore, showing how the years matter far more than the monthly amount.
Methodology
This calculator estimates the future value of a regular monthly SIP using the standard SIP future-value formula. It assumes a fixed annual return converted to a monthly rate (annual ÷ 12), regular monthly contributions, and monthly compounding, with each instalment invested at the start of the month (annuity-due) by default. It does not include taxes, inflation, expense ratio, exit load, tracking error, fund underperformance, or irregular and stepped-up investments. The result card, growth chart, and yearly breakdown table are all produced by the same calculation, so every number on the page is consistent.
Why results differ across calculators
- Instalment timing — beginning-of-month (annuity-due) vs end-of-month (ordinary). Most Indian calculators, including this one’s default, use beginning-of-month, which gives a slightly higher value.
- How the monthly rate is derived — a simple annual ÷ 12 (the common standard, used here) vs an effective monthly rate of (1 + annual)^(1/12) − 1.
- Rounding — rounding every month, every year, or only the final figure changes the last few rupees.
- What is bundled in — some tools fold in step-up SIPs, expense ratio, exit load, tax, or inflation, which this calculator deliberately keeps separate so the core compounding math is clear.
When to use it
- Sizing a monthly SIP to reach a goal like a home down payment or retirement corpus.
- Seeing the long-term cost of delaying — compare starting now versus five years later.
- Comparing how the period (years) affects the corpus more than the monthly amount.
- Setting expectations before signing up for a SIP so you are not surprised by volatility.