SIPSWPCalculator

Systematic Investment Plan

SIP Calculator

Set your monthly amount, expected return and time period to see invested amount, returns and total value.

What a SIP calculator actually tells you

A Systematic Investment Plan puts a fixed amount into a mutual fund on the same date every month. Because each instalment is invested at whatever the NAV happens to be that day, you buy more units when markets are down and fewer when they are up, and because every instalment then compounds for the rest of the term, the instalments you make in year one do far more work than the ones you make in year fifteen.

This SIP calculator turns three inputs — monthly investment, expected annual return and time period — into three outputs: the amount you actually contribute, the estimated returns on top, and the total value at the end. Drag any slider and all three update instantly.

Why time matters more than the amount

Compounding is not linear, and the table below is the clearest way to see it. A ₹10,000 SIP held for 30 years rather than 15 does not produce twice as much — at 12% it produces roughly six times as much, because the extra fifteen years compound on a base that fifteen years of investing already built.

Estimated total value of a ₹10,000 monthly SIP at three different return assumptions.
PeriodYou investAt 10% p.a.At 12% p.a.At 14% p.a.
10 years₹12 Lakh₹20.66 Lakh₹23.23 Lakh₹26.21 Lakh
15 years₹18 Lakh₹41.79 Lakh₹50.46 Lakh₹61.29 Lakh
20 years₹24 Lakh₹76.57 Lakh₹99.91 Lakh₹1.32 Crore
25 years₹30 Lakh₹1.34 Crore₹1.9 Crore₹2.73 Crore
30 years₹36 Lakh₹2.28 Crore₹3.53 Crore₹5.56 Crore

How to use this SIP calculator

  1. Leave the mode on SIP and set your monthly investment with the slider or by typing the amount.
  2. Set the expected annual return. Use a range, not a single hopeful number — try 10%, then 12%, then 14%.
  3. Set the time period in years.
  4. Read off invested amount, estimated returns and total value.
  5. Scroll down: that total value is already sitting in the SWP calculator, ready for you to plan the withdrawal phase. See the combined SIP and SWP calculator for how the two work together.

The SIP formula

FV = P × [ ((1 + i)n − 1) ÷ i ] × (1 + i)

P is the monthly instalment, i the monthly rate (annual rate ÷ 12 ÷ 100) and n the number of months. The trailing (1 + i) is what makes this an annuity due: SIP money goes in at the start of the month, so every instalment earns one extra month of growth. Calculators that omit it understate long-horizon SIPs by a few percent.

Investing a one-time amount instead?

If you have a bonus or maturity proceeds to deploy in one go, switch the mode to Lumpsum, or use the dedicated lumpsum calculator, which compounds a single amount annually rather than a stream of monthly instalments.

Disclaimer: Every figure on this page is an illustration produced by a compounding formula, not a forecast and not investment advice. Mutual fund returns are market-linked and are neither guaranteed nor uniform year to year. Verify your own plan with a SEBI-registered investment adviser before acting on it.

Frequently asked questions

What is a SIP calculator?

A SIP calculator estimates what a fixed monthly mutual fund investment could grow into. You supply the monthly amount, an assumed annual return and the number of years; it returns the total you will have contributed, the estimated returns on top, and the combined future value.

How is SIP return calculated?

With the future value of an annuity due: FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the monthly instalment, i is the annual rate divided by 12 and by 100, and n is the number of months. Each instalment compounds for the months remaining after it is paid.

How much will a ₹10,000 monthly SIP be worth in 20 years?

Assuming 12% a year, a ₹10,000 monthly SIP over 20 years means you contribute ₹24 Lakh and the estimated total value is about ₹99.91 Lakh. At 10% it is closer to ₹76.57 Lakh, and at 14% about ₹1.32 Crore. The spread between those three is a fair measure of how uncertain any single projection is.

Are SIP calculator results guaranteed?

No. A SIP calculator applies a constant return rate to every month, which no market delivers. Real returns arrive unevenly, and the order in which good and bad years fall changes the outcome. Use the result as a planning range, not a promise.

Is SIP better than a fixed deposit?

They are different instruments. A fixed deposit gives a contracted rate with capital protection; an equity SIP has no guaranteed return and can fall in value, but has historically delivered more over long periods and is taxed more favourably on long-term gains. Which suits you depends on your time horizon and how much volatility you can hold through.

Can I increase my SIP amount every year?

Yes, most fund houses offer a step-up or top-up SIP that raises the instalment annually. This calculator models a constant instalment, so to approximate a step-up, run it at your current amount and again at your expected future amount to bracket the outcome.