SIP Calculator

Project the future value of your Systematic Investment Plan. Adjust monthly amount, expected return, and horizon — results and growth chart update instantly.

₹
₹500₹1L
%
1%30%
yr
1yr40yr

SIP Projection

Total Future Value

₹11,61,695

↑ 93.6% gains over 10 years

Total Invested
₹6,00,000
120 instalments
Est. Returns
₹5,61,695
48.4% of total
INVESTED₹6.0L
Invested
Returns
Invested Amount51.6%
₹6,00,000
Est. Returns48.4%
₹5,61,695

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.

How to use

1

Enter your monthly SIP amount

Type the amount you invest each month or drag the slider. Use quick chips for common SIP amounts.

2

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.

3

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.

4

Read the results

See the projected future value, total amount invested, and estimated returns. The chart visualises the power of compounding over time.

Related tools

PPF Calculator

Compare SIP returns with the guaranteed tax-free returns of a Public Provident Fund.

FD Calculator

Compare your SIP projection with the maturity amount from a Fixed Deposit.

EMI Calculator

Check if the money spent on loan EMIs could instead be building wealth through SIP.

Percentage Calculator

Calculate percentage returns or compare growth rates between investment options.

Frequently asked questions

Common questions about SIP calculation and mutual fund returns.

A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund at regular intervals — typically monthly. By investing consistently, you benefit from rupee-cost averaging and the power of compounding, both of which work best over long horizons.

FV = P × [(1 + r)ⁿ − 1] / r × (1 + r), where P is the monthly investment, r is the monthly interest rate (annual rate ÷ 12 ÷ 100), and n is the total number of months. This is the standard future value of an annuity-due formula used for beginning-of-period payments.

Indian equity mutual funds have historically delivered 10–15% CAGR over long periods, though past returns do not guarantee future performance. Debt funds typically return 6–8%. For conservative projections use 8–10%, moderate use 12%, and aggressive use 15%.

No — the result shows the nominal future value without adjusting for inflation. For a real-return estimate, subtract the expected inflation rate from the expected return before entering it (for example, 12% return − 6% inflation = 6% real return).

No. All calculations run entirely in your browser using JavaScript. Nothing is transmitted to any server.