SIP Calculator
Calculate returns on Systematic Investment Plans
SIP Calculator estimates the maturity value of a Systematic Investment Plan — a fixed amount invested every month — using the standard future-value-of-annuity formula.
Content reviewed: August 24, 2026
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Actions:
How to Use
- Enter the monthly investment amount
- Set the expected annual return rate
- Enter the investment duration in years
- View total invested, returns, and maturity value
Features
- Monthly investment projection
- Total returns calculation
- Maturity value display
- Adjustable return rates
- Year-by-year breakdown
Tips for getting SIP Calculator right
- Use realistic return assumptions; equity funds have historically averaged 10–12% but with deep drawdowns along the way
- Extend tenure rather than raising the monthly amount when testing affordability — time compounds harder
- Results are pre-tax and exclude expense ratios; direct-plan fees (~0.2%/yr) barely move 10-year outcomes, active-fund fees (~1.5%) matter more
Formula
FV = P × ((1 + i)^n − 1) / i × (1 + i), where P is the monthly investment, i the monthly return (annual ÷ 12 ÷ 100), and n the number of months. The trailing (1 + i) treats each instalment as invested at the start of its month.
Worked example
- Invested capital: ₹6,00,000
- Estimated maturity value ≈ ₹11.62 lakh
- Estimated gains ≈ ₹5.62 lakh — nearly matching what you put in
| Input | Value |
|---|---|
| Monthly SIP | ₹5,000 |
| Expected annual return | 12% |
| Duration | 10 years (120 months) |
Reading the result honestly
- A flat 12% input smooths over real market volatility — treat outputs as planning aids, not forecasts
- Inflation halves purchasing power roughly every 20 years at 3.5%; compare maturity values in today's money for big goals
- Missing months break the annuity assumption; pause-and-resume schedules need a fresh calculation per segment
Frequently Asked Questions
What is a SIP?
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds, building wealth over time.
What is a realistic return rate?
Historical equity mutual fund returns average 10-15% annually, but past performance does not guarantee future returns.
Does it account for inflation?
The calculator shows nominal returns. For inflation-adjusted returns, subtract the expected inflation rate from the return rate.
Privacy & Security
Calculations happen locally in your browser. Investment figures are never sent anywhere.
Tips & Best Practices
- Use realistic return assumptions; equity funds have historically averaged 10–12% but with deep drawdowns along the way
- Extend tenure rather than raising the monthly amount when testing affordability — time compounds harder
- Results are pre-tax and exclude expense ratios; direct-plan fees (~0.2%/yr) barely move 10-year outcomes, active-fund fees (~1.5%) matter more
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