SIP calculator
See how a fixed monthly investment could grow over time. Move the sliders or type your own numbers.
₹50,45,760
- Amount invested
- ₹18,00,000
- Estimated returns
- ₹32,45,760
- Total value
- ₹50,45,760
Year-by-year growth
| Year | Invested | Returns so far | Value |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹32,432 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹75,076 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹1,38,348 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹3,37,570 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹4,79,790 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹6,55,266 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹8,68,215 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹11,23,391 | ₹23,23,391 |
| 11 | ₹13,20,000 | ₹14,26,148 | ₹27,46,148 |
| 12 | ₹14,40,000 | ₹17,82,522 | ₹32,22,522 |
| 13 | ₹15,60,000 | ₹21,99,311 | ₹37,59,311 |
| 14 | ₹16,80,000 | ₹26,84,180 | ₹43,64,180 |
| 15 | ₹18,00,000 | ₹32,45,760 | ₹50,45,760 |
This calculator gives estimates for learning. Real rates, charges and returns vary, and nothing here is advice or a recommendation. Read the disclaimer.
How the SIP value is worked out
A SIP (systematic investment plan) puts a fixed amount into an investment every month. The calculator assumes each amount goes in at the start of the month and grows at the same yearly return, compounded monthly. The value after n months is P × ((1 + i)n − 1) ÷ i × (1 + i), where P is the monthly amount and i is the yearly return divided by 12 and by 100.
The return you enter is an assumption. Actual returns vary and are not guaranteed, and the result does not include fund charges or tax.
Common questions
What is a SIP calculator?
It estimates what a fixed monthly investment could grow to over time at an assumed yearly return. It helps you see how regular saving and compounding work together. It does not predict what any fund will actually return.
How is the SIP value calculated?
Each monthly amount is assumed to be invested at the start of the month and to earn the same return, compounded monthly. The calculator adds up the growth of every instalment using the standard future-value formula for a series of equal payments.
Why not use a very high return?
Market returns change from year to year and can be negative. A steady rate is only a way to illustrate the idea. Try a few different rates to see how much the result depends on this assumption.