SIP Calculator
Estimate the maturity value and returns of a monthly SIP investment.
About This Tool
The SIP Calculator estimates how much a monthly Systematic Investment Plan could grow to. From your monthly amount, expected annual return, and duration, it projects the maturity value using monthly compounding, and separates how much you invested from the estimated gains.
It runs in your browser so you can quickly compare scenarios. Returns are an estimate; actual mutual fund returns vary with the market and are not guaranteed.
- check_circleProject SIP maturity value with monthly compounding
- check_circleSee invested amount versus estimated returns
- check_circleAdjust amount, rate, and duration instantly
- check_circleBrowser-based, nothing uploaded
Why SIP maturity numbers look surprisingly large
A SIP compounds every instalment separately: money invested in month one grows for the entire tenure, month two's for one month less, and so on. The effect is that time in the market matters more than the amount. A ₹10,000 monthly SIP assumed to grow at 12% a year reaches roughly ₹23 lakh in 10 years on ₹12 lakh invested — but about ₹50 lakh in 15 years and close to ₹1 crore in 20, even though the extra contributions are only ₹6 lakh per additional 5 years. The last years do most of the compounding, which is why starting early with a small SIP usually beats starting late with a big one.
Choosing a return assumption you can defend
The calculator projects whatever return you type in, so the assumption matters more than the maths. Long-run Indian equity fund returns have historically averaged in the 10–12% range before tax, debt funds closer to 6–8%, and hybrid funds in between — while any single year can swing far outside those bands. Use a conservative figure for planning (many planners model 10% for equity), remember the result is pre-tax and not inflation-adjusted, and treat the output as a scenario, not a promise: actual mutual fund returns depend entirely on market performance.
Frequently Asked Questions
How is SIP maturity calculated? expand_more
It uses the future value of a series formula M = P × (((1+i)^n − 1) / i) × (1+i), where P is the monthly amount, i is the monthly rate, and n is the number of months.
Are the returns guaranteed? expand_more
No. The expected return is an assumption you enter. Real mutual fund returns depend on market performance and can be higher or lower.
Is this calculator free? expand_more
Yes. It is free and runs entirely in your browser.