SIP Calculator
See what a monthly investment could grow into over time.
Projected growth
Hover, tap, or use the arrow keys on the chart to inspect values for each period.
Maturity value
₹25,22,880
Invested amount
₹9,00,000
Wealth gained
₹16,22,880
Compare two SIP scenarios
See how a second monthly amount or return assumption changes the outcome.
Year-by-year SIP growth
| Period | Invested | Value |
|---|---|---|
| Yr 1 | ₹60,000 | ₹64,047 |
| Yr 2 | ₹1,20,000 | ₹1,36,216 |
| Yr 3 | ₹1,80,000 | ₹2,17,538 |
| Yr 4 | ₹2,40,000 | ₹3,09,174 |
| Yr 5 | ₹3,00,000 | ₹4,12,432 |
| Yr 6 | ₹3,60,000 | ₹5,28,785 |
| Yr 7 | ₹4,20,000 | ₹6,59,895 |
| Yr 8 | ₹4,80,000 | ₹8,07,633 |
| Yr 9 | ₹5,40,000 | ₹9,74,108 |
| Yr 10 | ₹6,00,000 | ₹11,61,695 |
| Yr 11 | ₹6,60,000 | ₹13,73,074 |
| Yr 12 | ₹7,20,000 | ₹16,11,261 |
| Yr 13 | ₹7,80,000 | ₹18,79,656 |
| Yr 14 | ₹8,40,000 | ₹21,82,090 |
| Yr 15 | ₹9,00,000 | ₹25,22,880 |
How this is calculated
Assumes your SIP is invested at the start of each month and compounds at a fixed monthly rate (annual return ÷ 12). Real returns vary year to year. This shows the trajectory at a constant assumed rate, not a guarantee.
How to use this calculator
- Enter your monthly SIP amount.
- Enter an assumed annual return rate.
- Choose the investment period.
- Compare invested amount with estimated value in the chart and table.
What your result means
The maturity value combines your monthly contributions and estimated growth. The difference between the maturity value and invested amount is the estimated wealth gained.
How it is calculated
This calculator assumes a start-of-month SIP and monthly compounding. It uses the annuity-due future-value formula with the monthly rate equal to the annual rate divided by 12.
Example
A ₹5,000 monthly SIP for 15 years at an assumed 12% annual return illustrates how contributions and compounding can build over time.
Assumptions and limitations
- The assumed return remains constant throughout the period.
- Contributions are made at the start of each month.
- Inflation, exit loads, taxes, and fund expenses are not included.
Frequently asked questions
Are SIP calculator returns guaranteed?
No. Market-linked investment returns vary and the displayed rate is only an assumption.
Does this include inflation?
No. Compare the future value with an inflation-adjusted target before making a plan.