SIP Calculator
Calculate SIP returns, total investment and future value with clear, practical projections.
See what your regular investment could become
Change any input and the projection updates instantly.
Your investment, estimated growth and total corpus
A projection is not a promise. Mutual fund returns are market-linked.
Your investment over time
Each point shows the estimated value at the end of that year.
What if I increase my SIP every year?
See the impact of increasing your contribution annually.
See what happens when you change your SIP
| Monthly SIP | Invested | Estimated value | Growth |
|---|---|---|---|
| ₹5,000 | ₹6.00 L | ₹11.20 L | ₹5.20 L |
| ₹10,000 | ₹12.00 L | ₹22.40 L | ₹10.40 L |
| ₹15,000 | ₹18.00 L | ₹33.61 L | ₹15.61 L |
| ₹20,000 | ₹24.00 L | ₹44.81 L | ₹20.81 L |
Power of compounding
₹10,000/month at 12% expected return.
| Period | Invested | Estimated value | Growth |
|---|---|---|---|
| 5 years | ₹6.00 L | ₹8.11 L | ₹2.11 L |
| 10 years | ₹12.00 L | ₹22.40 L | ₹10.40 L |
| 15 years | ₹18.00 L | ₹47.59 L | ₹29.59 L |
| 20 years | ₹24.00 L | ₹91.99 L | ₹67.99 L |
| 25 years | ₹30.00 L | ₹1.70 Cr | ₹1.40 Cr |
| 30 years | ₹36.00 L | ₹3.08 Cr | ₹2.72 Cr |
Fine-tune your projection
Year-by-year projection
| Year | Total invested | Estimated value | Estimated growth |
|---|---|---|---|
| 1 | ₹1.20 L | ₹1.28 L | ₹7,665 |
| 2 | ₹2.40 L | ₹2.71 L | ₹30,650 |
| 3 | ₹3.60 L | ₹4.31 L | ₹70,793 |
| 4 | ₹4.80 L | ₹6.10 L | ₹1.30 L |
| 5 | ₹6.00 L | ₹8.11 L | ₹2.11 L |
| 6 | ₹7.20 L | ₹10.36 L | ₹3.16 L |
| 7 | ₹8.40 L | ₹12.88 L | ₹4.48 L |
| 8 | ₹9.60 L | ₹15.70 L | ₹6.10 L |
| 9 | ₹10.80 L | ₹18.86 L | ₹8.06 L |
| 10 | ₹12.00 L | ₹22.40 L | ₹10.40 L |
What Is a SIP?
A Systematic Investment Plan is a way to invest a fixed amount in a mutual fund at regular intervals. SIP can build investing discipline and may provide rupee-cost averaging, but it does not remove market risk or guarantee returns.
How Does a SIP Calculator Work?
This SIP return calculator compounds each contribution using an effective periodic rate derived from your annual assumption. For a monthly SIP, it estimates future value across the number of monthly installments.
SIP Calculator Formula
FV = P × [((1 + r)ⁿ − 1) / r] × (1 + r)
P is the periodic investment, r is the periodic return rate, n is the number of installments and FV is the estimated future value. Results are mathematical projections, not guaranteed returns.
SIP Calculator Example
At ₹10,000 per month for 10 years and an assumed 12% annual return, you invest ₹12.00 L and the projected value is ₹22.40 L.
Does SIP Guarantee Returns?
No. Mutual fund returns are market-linked. Compare conservative, moderate and optimistic assumptions instead of relying on one projection.
SIP Calculator FAQs
Is a SIP calculator accurate?
The calculator follows its formula accurately, but future market returns are uncertain and actual results may differ.
What return rate should I use?
Use a reasonable assumption and compare multiple scenarios. Do not choose a rate only because it produces a desired result.
Can I use this for a financial goal?
Yes. Use Goal Planner to estimate the monthly SIP required for a target amount.
Does SIP reduce market risk?
Regular investing may spread purchase points, but it does not eliminate market risk.
Does this calculator include inflation?
Inflation is available under Advanced Options and shows an estimated value in today's purchasing power.
Can I stop a SIP at any time?
The calculator follows its formula accurately, but future market returns are uncertain and actual results may differ.
Is SIP better than a fixed deposit?
The calculator follows its formula accurately, but future market returns are uncertain and actual results may differ.
Important: SIP calculator results are estimates based on your assumed return rate. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing.
HOW IT WORKS
Estimate the future value of your SIP.
Enter your monthly investment, expected return, and investment period to estimate growth.
1. Set your investment
Enter the monthly SIP amount and investment duration.
2. Add an expected return
Choose an assumed annual rate for the estimate.
3. Review projected growth
Compare the invested amount with the estimated maturity value.