SIP Calculator
Calculate the future value of your Systematic Investment Plan.
Invested Amount
₹6,00,000
Est. Returns
₹5,61,695
Total Value
₹11,61,695
How the SIP Calculator works
A SIP (Systematic Investment Plan) lets you invest a fixed amount in a mutual fund every month. This calculator estimates the maturity value of those regular investments based on an expected annual return, showing how compounding grows your money over time.
Enter your monthly investment, the investment period in years, and an expected rate of return. The calculator shows the total you invested, the estimated returns earned, and the final corpus — plus a chart of how it builds up year by year.
SIP maturity formula
FV = P × [ ((1 + i)ⁿ − 1) / i ] × (1 + i)
P = monthly investment, i = monthly rate (annual ÷ 12 ÷ 100), n = number of months.
Example
Investing ₹10,000/month for 15 years at 12% p.a. grows to roughly ₹50 lakh — of which about ₹18 lakh is your investment and ₹32 lakh is estimated returns from compounding.
Frequently asked questions
How are SIP returns calculated?+
Each monthly instalment is compounded until the end of the period, then all instalments are summed. This calculator uses the standard future-value-of-an-annuity formula shown above.
Are SIP returns guaranteed?+
No. SIPs invest in mutual funds whose returns depend on the market. The expected return you enter is an assumption, not a promise — actual returns will vary.
Is SIP better than a lumpsum investment?+
SIPs spread your investment over time, averaging out market ups and downs (rupee-cost averaging), which suits regular earners. A lumpsum can do better if invested at the right time, but carries more timing risk. Use our Lumpsum Calculator to compare.
What is a good expected return to assume?+
For long-term equity mutual funds, many investors model 10–12% per year, while debt funds are lower. Being conservative gives a more realistic plan.
Can I lose money in a SIP?+
Yes, in the short term, because markets fluctuate. Historically, longer holding periods have reduced the chance of loss, but there is no guarantee.