SIP Calculator

Monthly investment, expected return, years — your maturity value and wealth gained appear instantly, with a year-by-year table.

Live — results appear as you type
Maturity value
Total Invested
Wealth Gained
Growth Multiple
InvestedReturns
YearInvested (cumulative)Value at year endGain

How SIP Returns Are Calculated

A SIP (Systematic Investment Plan) invests a fixed amount every month. Each installment compounds from its own date, so the maturity value uses the future value of an annuity-due:

M = P × [((1+i)ⁿ − 1) ÷ i] × (1+i) — where P = monthly amount, i = annual rate ÷ 12, n = months.

Example: ₹5,000/month for 10 years at 12% p.a. → you invest ₹6,00,000 and end with roughly ₹11,61,695 — nearly half the final corpus is market growth. That gap widens dramatically with time: the same SIP over 20 years ends near ₹49.9 lakh from ₹12 lakh invested. Time in the market matters more than the monthly amount.

Comparing with a one-time investment? Try our Compound Interest Calculator. Planning loan EMIs alongside? See the EMI Calculator.

Frequently Asked Questions

How is SIP maturity value calculated?
M = P × [((1+i)ⁿ − 1) ÷ i] × (1+i), with i = annual rate ÷ 12 and n = number of months. The table above shows the year-by-year build-up.
What return rate should I assume?
12% p.a. is a common long-run equity assumption in India; conservative planners use 8–10%. Returns are market-linked, not guaranteed.
Is SIP better than a lump sum?
SIPs average your purchase price and suit monthly savers; a lump sum invested early can earn more in rising markets. Many investors do both.
Can I stop or change my SIP anytime?
Yes — SIPs in open-ended funds can be paused, stopped or resized anytime; early redemptions may carry a small exit load (typically within 1 year).