SIP Calculator
Estimate the future value of a monthly investment at an assumed return.
Your plan
Drag the sliders or type exact values.
Raise your SIP by this much every year. 0 keeps it flat.
Optional amount invested on day one.
Annual. Returns are not guaranteed.
Used to show what the final amount could buy in today's terms.
Estimated value after 15 years
₹2,06,86,795
That is 2.2x the ₹95.32 L you put in. In today's money: ₹86.32 L.
Invested
₹95.32 L
₹95,31,745
Gains
₹1.12 Cr
₹1,11,55,050
Final monthly SIP
₹94,937
from ₹25,000
Wealth multiple
2.17x
value / invested
Invested vs gains
- Invested₹95.32 L(46%)
- Gains₹1.12 Cr(54%)
Growth over the years
Year-by-year
| Year | Monthly SIP | Invested | Gains | Value | Today's money |
|---|---|---|---|---|---|
| 1 | ₹25,000 | ₹3,00,000 | ₹19,162 | ₹3,19,162 | ₹3,01,097 |
| 2 | ₹27,500 | ₹6,30,000 | ₹78,541 | ₹7,08,541 | ₹6,30,599 |
| 3 | ₹30,250 | ₹9,93,000 | ₹1,86,752 | ₹11,79,752 | ₹9,90,543 |
| 4 | ₹33,275 | ₹13,92,300 | ₹3,53,828 | ₹17,46,128 | ₹13,83,097 |
| 5 | ₹36,603 | ₹18,31,530 | ₹5,91,419 | ₹24,22,949 | ₹18,10,568 |
| 6 | ₹40,263 | ₹23,14,683 | ₹9,13,034 | ₹32,27,717 | ₹22,75,413 |
| 7 | ₹44,289 | ₹28,46,151 | ₹13,34,307 | ₹41,80,458 | ₹27,80,244 |
| 8 | ₹48,718 | ₹34,30,766 | ₹18,73,304 | ₹53,04,071 | ₹33,27,840 |
| 9 | ₹53,590 | ₹40,73,843 | ₹25,50,869 | ₹66,24,712 | ₹39,21,157 |
| 10 | ₹58,949 | ₹47,81,227 | ₹33,91,019 | ₹81,72,246 | ₹45,63,340 |
| 11 | ₹64,844 | ₹55,59,350 | ₹44,21,391 | ₹99,80,741 | ₹52,57,730 |
| 12 | ₹71,328 | ₹64,15,285 | ₹56,73,752 | ₹1,20,89,038 | ₹60,07,881 |
| 13 | ₹78,461 | ₹73,56,814 | ₹71,84,577 | ₹1,45,41,391 | ₹68,17,571 |
| 14 | ₹86,307 | ₹83,92,495 | ₹89,95,698 | ₹1,73,88,193 | ₹76,90,814 |
| 15 | ₹94,937 | ₹95,31,745 | ₹1,11,55,050 | ₹2,06,86,795 | ₹86,31,877 |
Projection only. Market returns vary and are not guaranteed. SIPs are assumed to be invested at the start of each month.
About this tool
A SIP (systematic investment plan) invests a fixed amount at regular intervals, usually monthly. This calculator estimates what the investment could grow to at an assumed rate of return.
Returns on market-linked investments are not guaranteed. The result is an illustration, not a forecast.
How to use it
- Set the monthly amount, assumed yearly return and number of years.
- Optionally add a yearly step-up, a starting lump sum, or switch to today's-money values to account for inflation.
- Read the growth chart and the year-by-year table, and export it as CSV.
- Use the goal tab to find the monthly amount needed to reach a target corpus.
Formula
FV = P × ((1 + i)ⁿ − 1) ÷ i × (1 + i)
P = monthly investment, i = monthly rate (annual rate ÷ 12 ÷ 100), n = number of months. Investments are assumed to be made at the start of each month.
Example
₹5,000 a month for 10 years at an assumed 12% a year grows to roughly ₹11.6 lakh on an invested amount of ₹6 lakh.
Frequently asked questions
- Are the returns guaranteed?
- No. Actual returns vary and can be lower than the rate you enter or negative.
- What does step-up mean?
- A step-up raises your monthly investment by a fixed percentage each year, for example as your income grows.
- Does it account for taxes or fund charges?
- No. The result is before taxes, expense ratios and exit loads.