Enter your SIP
Enter how much you will invest every month, your expected annual return, and for how many years.
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SIP Calculator
See what your monthly SIP can grow intoFree SIP calculator: enter your monthly SIP amount, expected annual return and years to project maturity value, total invested and gains with a yearly breakdown.
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Use SIP Calculator
See what your monthly SIP can grow into
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Equity mutual funds in India have often targeted 10 to 14 percent long term. Be conservative.
Maturity value
₹ 1,161,695.38
Total invested
₹ 600,000.00
Wealth gained
₹ 561,695.38
Note Calculated with monthly compounding, SIP invested at the start of each month. Wealth gained is maturity value minus total invested.
| Year | Invested so far | Value at year end |
|---|---|---|
| 1 | ₹ 60,000.00 | ₹ 64,046.64 |
| 2 | ₹ 120,000.00 | ₹ 136,216.00 |
| 3 | ₹ 180,000.00 | ₹ 217,538.24 |
| 4 | ₹ 240,000.00 | ₹ 309,174.17 |
| 5 | ₹ 300,000.00 | ₹ 412,431.83 |
| 6 | ₹ 360,000.00 | ₹ 528,785.15 |
| 7 | ₹ 420,000.00 | ₹ 659,894.99 |
| 8 | ₹ 480,000.00 | ₹ 807,632.83 |
| 9 | ₹ 540,000.00 | ₹ 974,107.53 |
| 10 | ₹ 600,000.00 | ₹ 1,161,695.38 |
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How to use the SIP Calculator
Set the horizon
Pick your currency. INR is preselected since SIP is most popular in India.
See the maturity
Read the maturity value, total invested and wealth gained, then check the yearly table.
// SIP CALCULATOR · ABOUT THIS TOOL
About the SIP Calculator
A SIP looks small on a bank statement and enormous on a twenty year projection, and this calculator shows you exactly why. It applies the standard SIP formula with monthly compounding, so every installment is tracked as it grows, and the year by year table reveals how the gains start dwarfing the contributions in the later years.
The most useful way to use it is comparatively: try your current SIP, then try it with a 10 percent step-up each year, which many investors do as salaries rise. The gap between the two numbers is the cheapest lesson in personal finance you will ever get, because the only cost is a few extra keystrokes.
SIP Calculator FAQs
A Systematic Investment Plan is a way to invest a fixed amount every month into a mutual fund. Instead of timing the market with one big payment, you buy units every month, which averages out your purchase price over time. This calculator projects what those monthly payments grow into at your assumed return.