SIP Calculator
Project a monthly SIP, with optional annual increases and inflation-adjusted value.
Results are estimates for illustration only and are not financial, tax or investment advice. Disclaimer
Explore a different amount, period or rate alongside your current plan.
Your inputs
Range ₹500 to ₹1L
Range 1 year to 40 years
Range 1% to 20%
Advanced
Maturity value: ₹99,91,479
Results
Maturity value
₹99,91,479
76% of maturity is returns
Total invested
₹24,00,000
Estimated returns
₹75,91,479
Worth in today’s money
₹31,15,390
Ending value after 20 years, adjusted for 6% annual inflation. Nominal totals and withdrawals are unchanged.
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Growth over time
Year-wise breakdown
| Year | Monthly SIP | Invested | Returns this year | Balance |
|---|---|---|---|---|
| 1 | ₹10,000 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| 2 | ₹10,000 | ₹2,40,000 | ₹24,339 | ₹2,72,432 |
| 3 | ₹10,000 | ₹3,60,000 | ₹42,644 | ₹4,35,076 |
| 4 | ₹10,000 | ₹4,80,000 | ₹63,272 | ₹6,18,348 |
| 5 | ₹10,000 | ₹6,00,000 | ₹86,515 | ₹8,24,864 |
| 6 | ₹10,000 | ₹7,20,000 | ₹1,12,707 | ₹10,57,570 |
| 7 | ₹10,000 | ₹8,40,000 | ₹1,42,220 | ₹13,19,790 |
| 8 | ₹10,000 | ₹9,60,000 | ₹1,75,476 | ₹16,15,266 |
| 9 | ₹10,000 | ₹10,80,000 | ₹2,12,949 | ₹19,48,215 |
| 10 | ₹10,000 | ₹12,00,000 | ₹2,55,176 | ₹23,23,391 |
| 11 | ₹10,000 | ₹13,20,000 | ₹3,02,757 | ₹27,46,148 |
| 12 | ₹10,000 | ₹14,40,000 | ₹3,56,374 | ₹32,22,522 |
| 13 | ₹10,000 | ₹15,60,000 | ₹4,16,790 | ₹37,59,311 |
| 14 | ₹10,000 | ₹16,80,000 | ₹4,84,868 | ₹43,64,180 |
| 15 | ₹10,000 | ₹18,00,000 | ₹5,61,580 | ₹50,45,760 |
| 16 | ₹10,000 | ₹19,20,000 | ₹6,48,022 | ₹58,13,782 |
| 17 | ₹10,000 | ₹20,40,000 | ₹7,45,426 | ₹66,79,208 |
| 18 | ₹10,000 | ₹21,60,000 | ₹8,55,184 | ₹76,54,392 |
| 19 | ₹10,000 | ₹22,80,000 | ₹9,78,862 | ₹87,53,254 |
| 20 | ₹10,000 | ₹24,00,000 | ₹11,18,225 | ₹99,91,479 |
How this estimate works
- Contributions are invested at the start of each month. The annual return input is a nominal assumption: the monthly rate is that percentage divided by 12. A 12% input means 1% a month, about 12.68% effective annual growth before taxes and fees. Market returns are not guaranteed.
- The monthly contribution increases after every 12 months by the annual SIP increase. Future contributions are not capped at the starting-amount slider limit. A 0% increase uses the plain SIP formula.
- Today’s-money value discounts only maturity by (1 + inflation) raised to the selected years. Inflation does not change contributions, returns or nominal maturity.
Saved calculations
Last 10 per calculator, stored only on this device.
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How the SIP calculator works
A Systematic Investment Plan (SIP) invests a fixed amount every month, usually in a mutual fund. Each instalment earns returns, and those returns earn returns of their own — that is compounding. The calculator assumes each instalment is invested at the start of the month and grows at your expected annual return divided by 12.
Who this helps
For people testing what an affordable monthly investment could grow to, and how a larger contribution changes the result.
Formula
FV = P × ((1 + i)ⁿ − 1) ÷ i × (1 + i)
P is the monthly investment, i is the expected annual return ÷ 12 ÷ 100, and n is the number of monthly instalments.
Worked example
Investing ₹10,000 a month for 20 years at 12% a year means you invest ₹24,00,000 in total. The estimated value at maturity is ₹99,91,479, of which ₹75,91,479 is returns.
Based on this calculator’s default inputs.
Frequently asked questions
How much will a ₹10,000 monthly SIP be worth after 20 years?
At an assumed 12% annual return, it grows to about ₹99,91,479: ₹24,00,000 invested and ₹75,91,479 in estimated returns. Actual mutual fund returns vary from year to year, so treat this as an estimate, not a promise.
Are SIP returns guaranteed?
No. Mutual fund returns depend on the market and can be negative over short periods. The rate you enter is an assumption that this calculator holds constant; taxes, exit loads and fund expenses are excluded.
What is a step-up SIP?
A step-up SIP raises your monthly instalment once a year by a fixed percentage, for example 10%, often in line with salary growth. Open Advanced options to add an annual step-up and compare it with a flat SIP.
What does “worth in today’s money” mean?
It divides the maturity value by the cumulative inflation over the period. The result shows what that future amount could buy at today’s prices, which is usually much less than the headline figure.
Is a SIP better than a lump-sum investment?
Neither is always better. A SIP spreads purchases over time and fits a regular income; money invested as a lump sum has longer to compound when markets rise. This calculator models monthly investing only.
Model and timing
Contributions enter at the start of each month. The annual nominal return is divided by 12; a percentage step-up changes the monthly contribution after each year. At zero return, the future value is simply the total invested.
Before using the estimate
Returns vary and can be negative. More money in a step-up result includes additional contributions, not just additional returns. Inflation changes the displayed purchasing power, not the nominal projection. Taxes, fund costs and exit loads are excluded. This is a forward projection, not a solver for the SIP needed for a target.
Try a useful comparison
Open Advanced options for annual step-up and inflation. Compare a flat SIP with a step-up SIP using the same return and duration; check both total invested and value in today’s money. Save a useful scenario in local history or prepare its report.
Results are estimates for illustration only and are not financial, tax or investment advice.