SIP Calculator
Project returns on a monthly investment plan.
Long-run equity fund averages have run roughly 10–14%. Returns are not guaranteed.
Raise your instalment by this much each year, e.g. to match salary growth. Leave at 0 for a flat SIP.
Maturity value
₹5,045,760
after 15 years
Invested vs. returns
Your instalments stack up steadily; the returns compound on top of them and accelerate.
- Amount invested
- Returns earned
View as table
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | ₹120,000 | ₹8,093 | ₹128,093 |
| 2 | ₹240,000 | ₹32,432 | ₹272,432 |
| 3 | ₹360,000 | ₹75,076 | ₹435,076 |
| 4 | ₹480,000 | ₹138,348 | ₹618,348 |
| 5 | ₹600,000 | ₹224,864 | ₹824,864 |
| 6 | ₹720,000 | ₹337,570 | ₹1,057,570 |
| 7 | ₹840,000 | ₹479,790 | ₹1,319,790 |
| 8 | ₹960,000 | ₹655,266 | ₹1,615,266 |
| 9 | ₹1,080,000 | ₹868,215 | ₹1,948,215 |
| 10 | ₹1,200,000 | ₹1,123,391 | ₹2,323,391 |
| 11 | ₹1,320,000 | ₹1,426,148 | ₹2,746,148 |
| 12 | ₹1,440,000 | ₹1,782,522 | ₹3,222,522 |
| 13 | ₹1,560,000 | ₹2,199,311 | ₹3,759,311 |
| 14 | ₹1,680,000 | ₹2,684,180 | ₹4,364,180 |
| 15 | ₹1,800,000 | ₹3,245,760 | ₹5,045,760 |
How the SIP Calculator works
A systematic investment plan puts a fixed amount into a fund every month regardless of price. Because each instalment compounds for a different length of time, the maturity value is not simply your total invested times a return — this calculator handles the month-by-month compounding correctly.
Not financial advice. This calculator is for planning and illustration, not financial advice. Real products carry fees, taxes, and terms it does not model. Confirm figures with your lender or a qualified adviser before committing.
Frequently asked questions
How is SIP maturity value calculated?
M = A × ({[1 + i]^n − 1} ÷ i) × (1 + i), where A is the monthly instalment, i is the monthly rate (annual ÷ 12 ÷ 100), and n is the number of instalments. The trailing (1 + i) accounts for investing at the start of each period.
What return rate should I assume?
Historical long-run equity fund returns have run roughly 10-14% annually in India and 8-10% in developed markets, before fees. Debt funds are lower. Any single year can be sharply negative, so treat the projection as an average, not a promise.
Is SIP better than investing a lump sum?
SIP spreads out your entry price, which reduces the risk of investing everything right before a downturn. Mathematically a lump sum invested early usually wins in a rising market, but SIP is easier to sustain and removes the need to time anything.
What is a step-up SIP?
A step-up (or top-up) SIP raises your monthly contribution by a set percentage each year, typically matching salary growth. Even a 10% annual step-up can lift the final corpus by 40-60% over 20 years compared with a flat instalment.