About This SIP Calculator

This free SIP calculator projects how much wealth your monthly mutual fund investments can build over 1 to 50 years. Enter what you invest each month, how long you plan to stay invested, and an expected return, and it instantly shows your total invested amount, estimated maturity value, and the gains earned purely from compounding — along with a year-by-year projection table and growth chart.

SIPs have become the default way Indians invest in equity. AMFI data shows monthly SIP contributions crossing ₹25,000 crore, driven by salaried professionals who want market returns without timing the market. Yet most investors underestimate what consistency achieves: a 28-year-old in Hyderabad putting ₹10,000 a month into an index fund at 12% for 20 years invests ₹24 lakh but retires that goal with roughly ₹1 crore. Seeing that number — before you start — is often the difference between vague intentions and an actual direct-debit mandate. This calculator also models step-up SIPs, where your contribution rises each year with your salary, something most basic calculators ignore.

Why You Need a SIP Calculator

The two most expensive mistakes in SIP investing are starting late and setting an amount by guesswork. Delaying a ₹10,000 monthly SIP by just five years (15 years instead of 20 at 12%) shrinks the final corpus from about ₹1 crore to ₹50 lakh — half the wealth for a five-year delay. Guessing too low is equally costly: many investors discover at 45 that their ₹3,000 SIP will never fund the goal they had in mind. Running the numbers first tells you exactly what monthly amount your target requires, so you can commit realistically and step up when income grows. For a deeper walkthrough of how SIPs work, read our complete SIP guide and our comparison of SIP vs lump sum investing.

How to Use This SIP Calculator

1. Monthly Investment (₹): The amount you will invest every month. Most funds accept SIPs from ₹100–500; use the quick-select chips (₹1K–₹25K) or the slider up to ₹10 lakh.
2. Investment Duration (Years): How long you will keep the SIP running. Equity SIPs work best over 7+ years — shorter horizons are exposed to market cycles.
3. Expected Annual Return (%): Use 10–12% for a conservative equity estimate, 12–15% for aggressive equity funds, and 6–8% if you are modelling debt funds. Avoid plugging in a recent bull-market return like 25% — it will inflate the projection.
4. Annual Step Up (%): The yearly percentage increase in your contribution. Matching this to your typical increment (5–10%) is the single easiest way to grow the final corpus without feeling the pinch today.

Results update automatically as you type. Future Value is your projected maturity amount, Total Invested is the sum of every contribution, and Total Gains is the difference — money earned by compounding, not by you. A common mistake is comparing the gain percentage to an FD rate; SIP returns are market-linked and not guaranteed, so treat the output as a planning estimate, not a promise.

What Is a SIP and How Are Returns Calculated?

A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month instead of making a large lump-sum investment. Because you buy fund units at different prices each month, you benefit from rupee-cost averaging — buying more units when prices fall and fewer when they rise. Over long periods, this smooths out market volatility and compounds wealth significantly.

SIP Future Value Formula

The future value of a SIP is calculated using the annuity formula:

FV = PMT × [((1 + r)^n − 1) ÷ r] × (1 + r)

Where PMT is the monthly investment, r is the monthly return rate (annual rate ÷ 12 ÷ 100), and n is the total number of months invested. The final × (1 + r) accounts for beginning-of-month investment.

Worked Example

You invest ₹5,000 every month in an equity mutual fund for 15 years, expecting a 12% annual return.

• Monthly rate r = 12 ÷ 12 ÷ 100 = 0.01
• n = 15 × 12 = 180 months
• Total invested = ₹5,000 × 180 = ₹9,00,000
• Estimated corpus at maturity = ₹25,22,880
• Returns earned through compounding = ₹16,22,880

The power of SIP is that ₹9 lakh invested becomes ₹25 lakh — nearly 2.8× — purely through compounding. Starting early amplifies this effect dramatically; the same SIP over 25 years would grow to over ₹95 lakh.

Real-World SIP Examples

Priya, 32, Bengaluru — saving for a house down payment

Priya wants ₹45–50 lakh in 12 years for a flat down payment. She sets Monthly Investment to ₹15,000, Duration to 12 years, and Expected Return to 12%. The calculator projects a corpus of about ₹48.3 lakh against ₹21.6 lakh invested — her goal is achievable without a step-up. Had she assumed she needed ₹25,000 a month, she might never have started.

Rohan, 25, Pune — first salary, small start

Rohan can spare only ₹5,000 a month but adds a 10% Annual Step Up to track his increments. Over 20 years at 12%, a flat ₹5,000 SIP grows to roughly ₹50 lakh; with the 10% yearly step-up the projection rises well past ₹90 lakh. Takeaway: a modest SIP with a disciplined step-up beats a larger SIP started five years later.

Accuracy & Common Questions