SIP Calculator
Calculate returns on your Systematic Investment Plan.
Investment Details
Growth Chart
Year-wise Breakdown
| Year | Invested | Returns | Total Value | Growth |
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A SIP calculator helps you estimate how regular monthly investments can grow over time through compounding. It is useful for equity mutual funds and long-term goals where discipline matters more than timing the market. Whether you are investing in India or globally, it gives a practical starting point for planning contributions and expected returns.
How SIP growth works
In a Systematic Investment Plan (SIP), each instalment gets a different time period to compound. Early contributions work the longest, while recent contributions have less time, so consistency is key. The calculator estimates maturity value using your monthly amount, expected annual return, and investment duration.
SIP formula
What to keep in mind
- Expected return is not guaranteed, especially for market-linked products.
- Increase SIP annually to match salary growth and inflation.
- Review asset allocation for short, medium, and long-term goals.
- Use conservative return assumptions for critical goals.
How to use this SIP calculator
- Enter monthly SIP amount.
- Enter expected annual return percentage.
- Enter investment tenure in years.
- Check invested amount, estimated gains, and maturity value.
- Adjust amount or tenure until your target is achievable.
Worked example
If you invest Rs 10,000 per month for 15 years at an assumed 12% annual return, total investment is Rs 18,00,000. The estimated maturity value is about Rs 50,45,760, and estimated wealth gain is around Rs 32,45,760.