SIP Calculator
A SIP (Systematic Investment Plan) lets you invest a fixed amount in a mutual fund every month, building wealth steadily through the power of compounding and rupee-cost averaging. Use this SIP calculator to estimate what your monthly investments could grow to — enter your monthly amount, an expected annual return and how long you'll invest to see your projected maturity value and a clear split between what you invest and what you earn.
- Invested Amount
- ₹12,00,000
- Est. Returns
- ₹11,23,391
Total Value
₹23,23,391
- Invested Amount52%
- Est. Returns48%
Formula
FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i)
- P
- Monthly SIP investment amount.
- i
- Monthly rate of return = annual return ÷ 12 ÷ 100.
- n
- Total number of monthly instalments (years × 12).
This is the future value of an annuity-due — it assumes each instalment is invested at the start of the month. The expected return is an assumption, not a guarantee; actual mutual fund returns vary with the market.
Worked example
Suppose you invest ₹10,000 every month in an equity mutual fund SIP, expecting a 12% annual return, for 10 years (120 instalments).
- Monthly Investment (P)
- ₹10,000
- Expected Return (p.a.)
- 12%
- Time Period
- 10 years (120 months)
You would invest ₹12,00,000 in total. At an assumed 12% annual return, the SIP could grow to about ₹23,23,391 — meaning roughly ₹11,23,391 of estimated returns on top of the amount you invested.
Year-by-year growth
Based on the default SIP Calculator values above. The final year matches the future value shown by the calculator — change the inputs to project your own plan.
- Total invested
- ₹12,00,000
- Est. returns
- ₹11,23,391
- Future value
- ₹23,23,391
- Value / invested
- 1.94×
Over 10 years, your ₹12,00,000 grows to about ₹23,23,391 — roughly 1.94× what you put in, thanks to compounding.
| Year | Invested | Est. returns | Value |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹8,093 | ₹1.28 Lakh |
| 2 | ₹2,40,000 | ₹32,432 | ₹2.72 Lakh |
| 3 | ₹3,60,000 | ₹75,076 | ₹4.35 Lakh |
| 4 | ₹4,80,000 | ₹1,38,348 | ₹6.18 Lakh |
| 5 | ₹6,00,000 | ₹2,24,864 | ₹8.25 Lakh |
| 6 | ₹7,20,000 | ₹3,37,570 | ₹10.58 Lakh |
| 7 | ₹8,40,000 | ₹4,79,790 | ₹13.20 Lakh |
| 8 | ₹9,60,000 | ₹6,55,266 | ₹16.15 Lakh |
| 9 | ₹10,80,000 | ₹8,68,215 | ₹19.48 Lakh |
| 10 | ₹12,00,000 | ₹11,23,391 | ₹23.23 Lakh |
How the SIP calculator works
Move the sliders for monthly investment, expected return and time period to see your projected maturity value update in real time, along with a breakdown of how much you invested versus how much you earned. Early on, most of the value is your own contributions; over a long period, estimated returns can overtake them — the chart makes this shift easy to see.
Why SIPs work
SIPs combine two powerful ideas. Rupee-cost averaging means you buy more units when prices are low and fewer when they’re high, smoothing out market timing. Compounding means your returns themselves start earning returns, so the balance grows faster the longer you stay invested. Together they make disciplined, regular investing more effective than trying to time the market.
Tips for SIP investing
- Start early — time in the market matters more than the amount.
- Step up your SIP as your income rises to reach goals faster.
- Stay invested through market dips — that’s when rupee-cost averaging helps most.
- Match the fund to your horizon — equity for the long term, debt for shorter goals.
Frequently asked questions
What is a SIP?
A Systematic Investment Plan (SIP) is a way of investing a fixed sum in a mutual fund at regular intervals, usually monthly. It spreads your investment over time, averages your purchase cost across market ups and downs, and lets compounding work on your growing balance.
How is SIP maturity value calculated?
SIP maturity uses the future-value-of-annuity formula FV = P × [((1+i)ⁿ − 1) ÷ i] × (1+i), where P is the monthly amount, i is the monthly return and n is the number of instalments. This calculator applies it instantly as you change the inputs.
Is the expected return guaranteed?
No. Mutual fund returns are market-linked and not guaranteed. The expected return you enter is an assumption used to project a possible outcome — your actual returns may be higher or lower. Equity funds in particular can be volatile over short periods.
What is the benefit of staying invested longer?
The longer you stay invested, the more compounding works in your favour — returns earn further returns. Extending a SIP by even a few years can significantly increase the maturity value, as a larger share of the final amount comes from growth rather than your contributions.
Can I change or stop my SIP later?
Yes. SIPs are flexible — you can usually increase, decrease, pause or stop them, and many investors step up their SIP amount as their income grows. This calculator assumes a fixed monthly amount throughout for simplicity.