SIP Calculator
Project the future value of your Systematic Investment Plan. Adjust monthly amount, expected return, and horizon — results and growth chart update instantly.
A SIP calculator projects what your monthly mutual fund investments will be worth at maturity. It applies monthly compounding to every instalment using the annuity-due formula, then reports three numbers: the total you will have invested, the estimated returns earned on it, and the final maturity value. Investing ₹10,000 a month for 15 years at 12% a year produces roughly ₹50.5 lakh from ₹18 lakh invested.
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SIP Projection
Total Future Value
₹11,61,695
↑ 93.6% gains over 10 years
About this tool
A fast, accurate SIP calculator that projects the future value of your monthly investments. Enter your SIP amount, the expected annual return, and the investment horizon — the results update instantly as you type or drag the sliders. The growth chart plots both your cumulative invested amount and the projected portfolio value year by year, making the effect of compounding easy to visualise.
Use the preset chips to quickly model common SIP scenarios. The progress bars show what portion of your total wealth comes from your own contributions versus the market returns earned on them. All calculations run in your browser — no data is sent to any server.
A worked example
Take a SIP of ₹10,000 per month at an expected 12% annual return. The monthly rate is 12 ÷ 12 ÷ 100 = 0.01, and fifteen years is 180 instalments. Feeding those into the annuity-due formula gives a maturity value of about ₹50.5 lakh. You will have paid in ₹18 lakh of your own money, so roughly ₹32.5 lakh — about 64% of the final corpus — is return earned on contributions rather than the contributions themselves.
Now change one input. Keep the same ₹10,000 and the same 12%, but run it for 25 years instead of 15. The maturity value rises to approximately ₹1.9 crore against ₹30 lakh invested. Ten extra years of the same contribution multiplies the corpus almost fourfold, because the returns from the early years spend the longest compounding. This is why duration usually matters more than instalment size, and why starting is generally worth more than waiting to start bigger.
Both figures are nominal. At 6% inflation, ₹1.9 crore in 25 years has the purchasing power of roughly ₹44 lakh today — still a large real gain, but a very different number from the headline one. Enter a return of 6% instead of 12% if you want the calculator to show the inflation-adjusted view directly.
At a glance
- Formula used
- FV = P × [((1 + r)ⁿ − 1) ÷ r] × (1 + r) — future value of an annuity due
- Compounding
- Monthly. r = annual rate ÷ 12 ÷ 100, n = years × 12
- Payment timing
- Beginning of each month (annuity due), matching how SIP mandates debit
- Inputs
- Monthly investment, expected annual return (%), investment duration (years)
- Outputs
- Maturity value, total invested, estimated returns, year-by-year growth chart
- Currency
- Indian Rupee (₹), with lakh and crore formatting
- Inflation
- Not applied. Results are nominal — subtract expected inflation from your return rate for a real-return estimate
- Cost & privacy
- Free, no signup. All maths runs in your browser; no figure is sent to a server
How to use
Enter your monthly SIP amount
Type the amount you invest each month or drag the slider. Use the quick chips for common SIP amounts like ₹5,000 or ₹10,000.
Set the expected return
Enter the annual return rate. Use 10–12% for a moderate equity fund projection, or 6–8% for a debt fund estimate.
Choose the investment horizon
Drag the years slider to set how long you plan to invest. The chart updates to show growth year by year.
Read the results
See the projected future value, total amount invested, and estimated returns. The chart visualises the power of compounding over time.
Four mistakes that make SIP projections misleading
Using a peak return rate
Entering the return a fund delivered in its best three years, rather than a long-horizon average, inflates the projection badly. Compounding magnifies the error — 15% instead of 12% over 20 years is not 25% more money, it is roughly 50% more.
Ignoring inflation entirely
A nominal corpus answers 'how many rupees', not 'what will they buy'. Any goal set decades out — education, retirement — has to be planned in real terms or the target will be met on paper and missed in practice.
Assuming the SIP never pauses
The formula assumes every instalment lands on time for the full duration. Real SIPs get paused during job changes and emergencies. Model a shorter duration than you hope for, so the plan survives a gap.
Forgetting expense ratio and tax
The return you enter should be net of the fund's expense ratio, and the maturity value shown is pre-tax. Both reduce what actually reaches your bank account on redemption.
Sources & references
- Association of Mutual Funds in India (AMFI) — Official industry body for scheme NAVs and historical mutual fund returns
- SEBI — Securities and Exchange Board of India — Regulator for mutual funds; investor education and scheme categorisation rules
- Reserve Bank of India — Inflation data, useful when converting a nominal projection into a real return
- Income Tax Department, India — Current capital gains rules applicable to mutual fund redemptions
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Frequently asked questions
Common questions about SIP calculation and mutual fund returns.