Free Online SIP Calculator
Enter how much you invest each month, the return you expect per year, and how long you will keep the SIP running. You get maturity value, total invested, estimated returns, and growth year by year.
| Maturity value | ₹11,50,193 |
| Total invested | ₹6,00,000 |
| Estimated returns | ₹5,50,193 |
| Monthly SIP | ₹5,000 |
Year-wise growth
| Year | Invested so far | Est. value | Est. returns |
|---|---|---|---|
| 1 | ₹60,000 | ₹63,413 | ₹3,413 |
| 2 | ₹1,20,000 | ₹1,34,867 | ₹14,867 |
| 3 | ₹1,80,000 | ₹2,15,384 | ₹35,384 |
| 4 | ₹2,40,000 | ₹3,06,113 | ₹66,113 |
| 5 | ₹3,00,000 | ₹4,08,348 | ₹1,08,348 |
| 6 | ₹3,60,000 | ₹5,23,550 | ₹1,63,550 |
| 7 | ₹4,20,000 | ₹6,53,361 | ₹2,33,361 |
| 8 | ₹4,80,000 | ₹7,99,636 | ₹3,19,636 |
| 9 | ₹5,40,000 | ₹9,64,463 | ₹4,24,463 |
| 10 | ₹6,00,000 | ₹11,50,193 | ₹5,50,193 |
Related: Lumpsum calculator · SWP calculator · Compound interest · EMI calculator
How SIP returns are estimated
A SIP (systematic investment plan) means you invest the same amount every month into a mutual fund (or similar). Returns are not guaranteed—we use a fixed annual rate to show what that pace of growth would look like if it held steady.
Each month, the running balance earns return, then your new installment is added. The usual formula for end-of-month SIP is: Maturity = P × [((1+r)n − 1) / r], where P is monthly SIP, r is monthly return (annual ÷ 12 ÷ 100), and n is months.
This is a planning figure, not a promise. Fund NAV moves daily; use a conservative rate when you compare schemes.
Investing a single amount upfront? Use the lumpsum calculator. For withdrawals from a corpus, try the SWP calculator. Compare both styles in SIP vs lumpsum.
How to use this calculator
- Enter your monthly SIP amount in rupees (e.g. 5000).
- Set expected annual return (e.g. 12 for 12%)—many long-term equity plans are modelled between 10–12%, debt lower.
- Choose investment period in years (5, 10, 15, 20 are common).
- Read maturity value, total invested, and estimated returns in the summary.
- Use the year-wise table to see how invested amount and value build over time.
Worked examples
Sample numbers you can try in the calculator above. Your lender's quote may differ slightly.
₹5,000/month for 10 years at 12%
You put in ₹6 lakh over 120 months. The rest is estimated return at 12% compounded monthly.
₹5,000 SIP · 12% p.a. · 10 years
Maturity: Maturity ≈ ₹11.6 lakh
₹10,000/month for 15 years at 10%
Total invested ₹18 lakh. Longer tenure lets compounding do more of the work.
₹10,000 SIP · 10% p.a. · 15 years
Maturity: Maturity ≈ ₹41.8 lakh
Small start, 20 years
₹7.2 lakh invested over 20 years—starting early matters more than a huge first installment.
₹3,000 SIP · 12% p.a. · 20 years
Maturity: Maturity ≈ ₹29.9 lakh
Conservative 8% assumption
Using a lower rate gives a safer planning number than assuming peak equity returns every year.
₹8,000 SIP · 8% p.a. · 7 years
Maturity: Maturity ≈ ₹8.7 lakh
Frequently asked questions about the SIP calculator
What is SIP in mutual funds?
SIP is investing a fixed amount on a schedule (usually monthly) into a fund. Units are bought at that day's NAV. It spreads purchases over time instead of one lump sum.
How is SIP maturity calculated?
We compound monthly: each month the balance grows at your annual rate divided by 12, then your SIP amount is added. Maturity is the balance after the last month.
What return should I enter?
Use a rate you are comfortable planning with—often 10–12% for long equity SIPs in India, less for debt. Past fund performance does not guarantee future returns.
Is SIP better than lumpsum?
SIP reduces timing risk by averaging purchases. Lumpsum can win if markets rise steadily from day one. Many people use both. Model a one-time amount with our lumpsum calculator and read SIP vs lumpsum for when each fits.
Does this SIP calculator include tax or exit load?
No. It shows gross estimated value before tax, stamp duty, or fund charges. Check your fund's factsheet for expense ratio and tax rules.
Is this calculator free?
Yes. Runs in your browser with no signup.