SIP Calculator
Enter a monthly amount, an assumed yearly return, and how many years you plan to invest to see what a Systematic Investment Plan could grow to.
Your numbers
Year-by-year value
What this calculator shows
A SIP invests a fixed amount at regular intervals — here, once a month. The calculator adds up everything you put in and estimates what the pile would be worth at the end if every instalment earned the return you entered. The difference between the two is the estimated gain.
The formula, in plain words
The yearly return is turned into a monthly rate by dividing it by 12. Each instalment is assumed to be invested at the start of its month, so it earns returns for that month too. The future value is the monthly amount × [((1 + monthly rate)^number of months − 1) ÷ monthly rate] × (1 + monthly rate). This is the standard "annuity due" formula used by most SIP calculators in India.
A worked example
Investing ₹10,000 a month for 10 years means ₹12,00,000 goes in. At an assumed 12% a year, the monthly rate is 1%, there are 120 instalments, and the estimated value comes to about ₹23.2 lakh — roughly ₹11.2 lakh of that is growth rather than your own money. Stretch the same SIP to 20 years and the estimate rises to about ₹1 crore, even though you have only doubled what you put in. That gap is the effect of time on compounding.
Assumptions and limits
- The return is the same every year. Real returns are uneven and are never guaranteed.
- Taxes, exit loads, and inflation are not included.
- Missing or pausing instalments lowers the result more than you might expect, because those months lose all their future compounding.
Frequently asked questions
Is the return from a SIP fixed?
No. Mutual fund SIPs are market-linked, so actual returns vary from year to year and can be negative over short periods. The calculator applies one steady rate only to show what that rate would produce.
Why does the chart curve upward in later years?
Compounding. Each year's growth is calculated on a larger balance that already includes earlier growth, so the gains portion of each bar grows faster as time passes.
Does the result include taxes or fund expenses?
No. Taxes on gains and a fund's expense ratio are not deducted. A fund's published returns are usually already net of its expense ratio, so use a return assumption that reflects that.
These figures are estimates for learning and planning, not investment, tax, or legal advice. Returns on market-linked investments are not guaranteed, and real outcomes depend on fees, taxes, timing, and actual returns. See our disclaimer.