SIP Calculator
See what investing a fixed amount every month in mutual funds could grow into, based on your monthly contribution, expected return, and time horizon.
Invested Amount vs Estimated Returns
As months go by, a growing share of your corpus comes from returns rather than your own contributions — this chart shows that shift.
How SIP Returns Are Projected
Each monthly installment is treated as a fresh investment that compounds for the remaining months until maturity, so earlier installments have longer to grow than later ones.
SIP Future Value Formula
FV = P × [((1 + R)N− 1) / R]
× (1 + R)
Monthly SIP (P)
₹10,000.00
Monthly Rate (R)
1.0000%
Duration (N)
180 Months
Maturity Value
₹47,59,313.99
Where: P is your monthly investment, R is the monthly rate of return, and N is the total number of monthly SIP installments. The formula estimates the future value of all your monthly investments after accounting for compound growth.
SIP Calculation Example
See how your monthly investment grows over time using the values you've entered.
Worked Example
Suppose you invest ₹10,000.00 every month for 15 years with an expected annual return of 12%.
Over this period, your total investment will be ₹18,00,000.00.
Based on these values, your investment could grow to approximately ₹47,59,313.99, generating an estimated wealth gain of ₹29,59,313.99.
SIP investing works because of the power of compounding:
Every monthly investment starts earning returns, and those returns continue generating additional returns over time.
The earlier you start and the longer you stay invested, the greater the impact of compounding on your overall wealth.
Staying consistent with your SIP can help build a larger corpus without needing a large one-time investment.
Year-wise SIP Growth
See your cumulative investment, estimated gains, and total corpus value at the end of each year.
Swipe horizontally to view the complete investment breakdown.
| Year | Invested Amount | Estimated Returns | Total Value |
|---|---|---|---|
| 1 | ₹1,20,000.00 | ₹7,664.98 | ₹1,27,664.98 |
| 2 | ₹2,40,000.00 | ₹30,649.76 | ₹2,70,649.76 |
| 3 | ₹3,60,000.00 | ₹70,792.71 | ₹4,30,792.71 |
| 4 | ₹4,80,000.00 | ₹1,30,152.81 | ₹6,10,152.81 |
| 5 | ₹6,00,000.00 | ₹2,11,036.13 | ₹8,11,036.13 |
| 6 | ₹7,20,000.00 | ₹3,16,025.44 | ₹10,36,025.44 |
| 7 | ₹8,40,000.00 | ₹4,48,013.47 | ₹12,88,013.47 |
| 8 | ₹9,60,000.00 | ₹6,10,240.07 | ₹15,70,240.07 |
| 9 | ₹10,80,000.00 | ₹8,06,333.85 | ₹18,86,333.85 |
| 10 | ₹12,00,000.00 | ₹10,40,358.90 | ₹22,40,358.90 |
| 11 | ₹13,20,000.00 | ₹13,16,866.94 | ₹26,36,866.94 |
| 12 | ₹14,40,000.00 | ₹16,40,955.95 | ₹30,80,955.95 |
| 13 | ₹15,60,000.00 | ₹20,18,335.65 | ₹35,78,335.65 |
| 14 | ₹16,80,000.00 | ₹24,55,400.90 | ₹41,35,400.90 |
| 15 | ₹18,00,000.00 | ₹29,59,313.99 | ₹47,59,313.99 |
Frequently Asked Questions
Common questions on SIP returns, market risk, step-up SIPs, and how mutual fund compounding actually works.
Disclaimer
Results are estimates for informational purposes only and may differ from actual values. Do not make financial, investment, tax, or legal decisions based solely on these results. Verify important calculations with official sources or a qualified professional. CalcMint is not liable for any loss or damage resulting from the use of this calculator.
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