SIP Calculator
Estimate the future value of a monthly SIP (Systematic Investment Plan).
Assumptions used in this calculation
- Return assumption: Assumes a constant annual return rate for the full period; actual market-linked returns vary.
About this calculator
A Systematic Investment Plan turns investing into a habit by deducting a fixed amount every month regardless of market conditions, but projecting where that habit lands you years from now involves compounding dozens or hundreds of individual monthly installments, each of which grows for a different length of time, which isn't something you can reasonably estimate in your head. This calculator applies the standard SIP future-value formula, FV = P × [((1+i)ⁿ − 1) ÷ i] × (1+i), to your monthly investment amount, expected annual return and investment period, then breaks the result into a year-by-year growth chart comparing total invested amount against projected value. That side-by-side view makes it easy to see how much of your eventual corpus comes from your own contributions versus compounding growth, which becomes a larger share the longer you stay invested, something a single final number can't convey.
Worked example
₹10,000/month for 10 years at 12% expected return
Result: Maturity value ≈ ₹23,23,391
How to use this
- 1Enter your planned monthly investment amount.
- 2Set an expected annual return rate and the investment duration in years.
- 3Read the projected maturity value, along with how much of it is your own contribution versus growth.
Troubleshooting
The projected return seems unrealistic.
This is a projection based on the constant annual rate you enter, real market returns vary year to year, treat it as an estimate, not a guarantee.
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