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Calculates

SIP Calculator

Estimate your SIP investment value, returns and wealth growth over time.

Calculated & verified for mathematical accuracy·Reviewed by the Calculates Editorial Team

Investment details

100 – 1,00,00,000
0 – 30

Long-term equity funds have historically returned around 10–14% a year, but past performance does not predict future returns.

1 – 40

120 monthly instalments

Estimated total value

₹23,23,391

Projected value after 10 years, assuming a steady 12% annual return.

Total invested
₹12,00,000
Estimated returns
₹11,23,391
  • Invested₹12,00,000
  • Returns₹11,23,391

Estimated gain of 93.62% on the amount invested.

Returns are estimates and actual market returns can vary. This projection assumes a constant rate of return and does not account for market volatility, fund expenses, exit loads, taxes or inflation. It is not investment advice.

Projected growth

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About this calculator

A Systematic Investment Plan (SIP) invests a fixed amount into a mutual fund at regular intervals, usually monthly. This calculator projects what those instalments could grow to over time, separating the amount you contribute from the returns compounding on top. All figures are estimates based on a constant assumed rate of return.

How to use this calculator

  1. Enter your monthly investment

    The amount you plan to invest every month. Choose a figure you can sustain — stopping a SIP early is the most common reason projections are not met.

  2. Set an expected annual return

    This is an assumption, not a promise. Long-term diversified equity funds have historically returned roughly 10–14% a year in India, while debt funds are typically lower. Try a conservative figure as well as an optimistic one.

  3. Choose the investment duration

    How many years you intend to keep investing. Compounding has a disproportionate effect over longer periods, so extending the duration often matters more than increasing the instalment.

  4. Compare the split

    Look at how much of the projected value comes from your contributions versus returns. Over long horizons, returns typically overtake contributions.

Formula

FV = P × [ ((1 + i)ⁿ − 1) / i ] × (1 + i)
  • FV is the estimated future value of the investment.
  • P is the amount invested each month.
  • i is the monthly rate of return: the expected annual return ÷ 12 ÷ 100. A 12% expectation gives i = 0.01.
  • n is the total number of monthly instalments: years × 12.
  • The trailing × (1 + i) reflects that each instalment is invested at the start of the month, so it earns a full month of growth. This is how SIP mandates actually execute.
  • When the expected return is 0%, the formula reduces to FV = P × n — you simply get back what you put in.

Worked example

Inputs

  • Monthly investment (P): ₹10,000
  • Expected annual return: 12%
  • Duration: 10 years (n = 120 months)

Calculation

i = 12 / 12 / 100 = 0.01 (1 + i)ⁿ = (1.01)¹²⁰ = 3.30039 FV = 10000 × ((3.30039 − 1) / 0.01) × 1.01 = 10000 × 230.039 × 1.01 = 23,23,391 Invested = 10000 × 120 = 12,00,000

The estimated value after 10 years is ₹23,23,391. You would have invested ₹12,00,000, so the estimated returns are ₹11,23,391 — a gain of about 94% on the amount invested.

What the result means

  • Total invested is the only figure here that is certain — it is simply your instalment multiplied by the number of months.
  • Estimated returns and estimated value depend entirely on the return assumption you entered. Real returns vary year to year and can be negative over short periods.
  • A projection is not a plan. Markets do not deliver a steady 12% every year; they deliver an average across good years and bad ones, and the order of those years affects your actual outcome.
  • The figures are before fund expenses, exit loads, capital gains tax and inflation. Your real purchasing power at the end will be lower than the nominal number shown.

Related calculations

  • Run the same duration at 8% and at 14% to see how wide the realistic range of outcomes is.
  • Extend the duration by five years without changing the instalment to see the effect of compounding over time.
  • Compare investing a larger amount for fewer years against a smaller amount for longer.

Frequently asked questions

What is a SIP?

A Systematic Investment Plan is an arrangement to invest a fixed amount into a mutual fund at regular intervals, typically monthly. Because you invest the same amount regardless of price, you buy more units when prices are low and fewer when prices are high, which averages your purchase cost over time.

How is SIP return calculated?

This calculator uses the future value of an annuity-due: FV = P × [((1 + i)ⁿ − 1) / i] × (1 + i), where P is the monthly instalment, i is the monthly rate of return and n is the number of instalments. Each instalment is treated as invested at the start of the month, which is how SIP mandates are actually executed.

Are these returns guaranteed?

No. Mutual fund returns are market-linked and are not guaranteed. This calculator projects a hypothetical outcome using a constant rate you choose. Actual returns will vary from year to year and can be negative, particularly over short periods.

What return rate should I assume?

There is no correct answer. Historically, diversified Indian equity funds have delivered roughly 10–14% a year over long periods, and debt funds considerably less. Many investors model a conservative case and an optimistic case rather than relying on a single figure. Past performance does not predict future returns.

Does this account for inflation, taxes or fund charges?

No. The projection is a nominal, pre-tax, pre-expense figure. Real purchasing power will be lower after inflation, and returns are subject to capital gains tax and fund expense ratios. Treat the result as an upper-bound illustration rather than take-home value.

What happens if I stop my SIP early?

Your invested amount stops growing through new contributions, and the projected value falls substantially — the later instalments in a long SIP contribute less individually, but the compounding period they fund is what produces most of the final value. Units already bought remain invested unless you redeem them.

Is a SIP better than investing a lump sum?

Neither is universally better. A SIP spreads your entry across time, which reduces the risk of investing everything just before a market fall and suits regular income. A lump sum invested earlier has longer to compound and historically outperforms on average in rising markets. The right choice depends on when the money is available and your tolerance for short-term losses.

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