SIP Calculator

Calculate SIP returns and wealth creation over time.

Last updated: 14 August 2026

Processed locally — your files are not uploaded to any server.

Comprehensive Guide & Specifications

Everything you need to know about using SIP Calculator effectively.

What is SIP Calculator and Why Use It?

A systematic investment plan puts a fixed amount in every month, and this projects where that could end up: the contributions are compounded at the annual return you assume, month by month, so each instalment earns for however long it stays invested. The output separates what you contributed from what growth added, which is the comparison that makes the case for starting early more vividly than any percentage does. It is a planning aid for anyone deciding how much to commit monthly, or comparing a ten-year horizon against a twenty-year one. Treat the return you enter as an assumption rather than a forecast: real markets vary year to year, and the same average delivered in a different order produces a different outcome. Figures are before tax, exit loads and fund expenses, all of which reduce what you actually receive. This is not investment advice.

Step-by-Step Instructions

1
Input your monthly SIP contribution amount.
2
Set your expected annual rate of return (e.g. 12% for equity mutual funds).
3
Choose investment duration in years to see total invested amount and wealth gained.

Formula / Calculations Explained

Systematic Investment Plan (SIP) Future Value Formula

M = P × [((1 + i)^n - 1) / i] × (1 + i)

MExpected maturity amount of the investment

PMonthly recurring SIP investment amount

iMonthly interest rate (annual return / 12 / 100)

nTotal number of monthly installments invested

Projects compounding investment value from regular monthly contributions, factoring in compounded returns over months and decades.

Important Considerations

A constant annual return is an assumption, not a forecast. Real market returns vary year to year, and the same average with different sequencing gives a different outcome.
Figures are before tax, exit loads and fund expenses, all of which reduce what you actually receive.
Past performance does not indicate future returns. This is not investment advice — speak to a qualified adviser before committing money.

Frequently Asked Questions

What is a Systematic Investment Plan (SIP)?▼

A SIP is an investment method where you invest a fixed sum regularly into mutual funds, benefiting from rupee-cost averaging and compounding.

What expected return rate should I enter?▼

Historically, broad-market equity mutual funds have returned between 10% and 15% annually over long-term 5 to 10 year investment horizons.

Are my investment plans saved or tracked?▼

No, all projections calculate dynamically in your browser with zero tracking or financial profile logging.

Wealth Projection Data

SIP Wealth Accumulation Table (at 12% Expected Annual Return)

Shows total amount invested, estimated maturity value, and compound wealth gain for monthly SIP contributions over 5, 10, and 15-year horizons.

SIP Wealth Accumulation across monthly contributions of ₹5,000, ₹10,000, and ₹25,000 at 12% return
Monthly SIP	5 Years (Invested → Total)	10 Years (Invested → Total)	15 Years (Invested → Total)
₹5,000 / mo	₹4,12,432(Invested: ₹3.0L \| +₹1.12L)	₹11,61,695(Invested: ₹6.0L \| +₹5.61L)	₹25,22,880(Invested: ₹9.0L \| +₹16.23L)
₹10,000 / mo	₹8,24,864(Invested: ₹6.0L \| +₹2.25L)	₹23,23,391(Invested: ₹12.0L \| +₹11.23L)	₹50,45,760(Invested: ₹18.0L \| +₹32.46L)
₹25,000 / mo	₹20,62,159(Invested: ₹15.0L \| +₹5.62L)	₹58,08,477(Invested: ₹30.0L \| +₹28.08L)	₹1,26,14,400(Invested: ₹45.0L \| +₹81.14L)

Note: Projections use an annualized compounding rate of 12% p.a. (a common historical benchmark for Indian equity mutual funds). Mutual fund investments are subject to market risks.

Worked example

Example only — not financial advice

A systematic investment of $5,000 every month for 10 years, compounded monthly at an assumed 12% annual return, totals $600,000 of contributions. The calculator's own future-value formula projects that growing to $1,161,695 — the remaining $561,695 being compounding on top of what was actually paid in.

Worked example: $5,000/month at 12% for 10 years
Example input	Value
Monthly investment	$5,000
Expected annual return	12%
Time period	10 years (120 months)
Total invested	$600,000
Estimated wealth gain	$561,695
Total future corpus	$1,161,695

These figures illustrate how the SIP Calculator computes its result for the example inputs above — they are not a rate offer, a market quote, or a recommendation for your own numbers. Enter your own figures in the calculator above to get a result that applies to you.

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