SIP Calculator
Calculate the future value of your Systematic Investment Plan (SIP). Estimate your total investment, expected returns, and maturity amount with our free SIP calculator.
Your Returns Could Exceed Your Investment
Your estimated wealth gain is around ₹32,45,760. Choosing the right mutual fund can make a meaningful difference over the long term.
We may earn a commission if you apply through this link.
Investment Growth Over Time
Visualize how your monthly SIP contributions and investment returns grow year after year through the power of compounding.
How SIP Maturity is Calculated
The SIP calculator uses the standard future value formula to estimate how your monthly investments grow over time through the power of compounding.
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
₹50,45,760.00
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 ₹50,45,760.00, generating an estimated wealth gain of ₹32,45,760.00.
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
Review your yearly investment, estimated returns, and maturity value in a detailed breakdown table.
Swipe horizontally to view the complete investment breakdown.
| Year | Invested Amount | Estimated Returns | Total Value |
|---|---|---|---|
| 1 | ₹1,20,000.00 | ₹8,093.28 | ₹1,28,093.28 |
| 2 | ₹2,40,000.00 | ₹32,432.00 | ₹2,72,432.00 |
| 3 | ₹3,60,000.00 | ₹75,076.47 | ₹4,35,076.47 |
| 4 | ₹4,80,000.00 | ₹1,38,348.34 | ₹6,18,348.34 |
| 5 | ₹6,00,000.00 | ₹2,24,863.67 | ₹8,24,863.67 |
| 6 | ₹7,20,000.00 | ₹3,37,570.31 | ₹10,57,570.31 |
| 7 | ₹8,40,000.00 | ₹4,79,789.97 | ₹13,19,789.97 |
| 8 | ₹9,60,000.00 | ₹6,55,265.65 | ₹16,15,265.65 |
| 9 | ₹10,80,000.00 | ₹8,68,215.05 | ₹19,48,215.05 |
| 10 | ₹12,00,000.00 | ₹11,23,390.76 | ₹23,23,390.76 |
| 11 | ₹13,20,000.00 | ₹14,26,148.15 | ₹27,46,148.15 |
| 12 | ₹14,40,000.00 | ₹17,82,521.75 | ₹32,22,521.75 |
| 13 | ₹15,60,000.00 | ₹21,99,311.45 | ₹37,59,311.45 |
| 14 | ₹16,80,000.00 | ₹26,84,179.52 | ₹43,64,179.52 |
| 15 | ₹18,00,000.00 | ₹32,45,760.00 | ₹50,45,760.00 |
Frequently Asked Questions
Find answers to the most common questions about SIP investments, returns, and how the calculator works.
Need another calculator?
Explore our collection of free finance calculators and financial guides to make smarter money decisions.