A Systematic Investment Plan lets you invest a fixed amount in a mutual fund at regular intervals, typically monthly, building wealth through disciplined investing and compounding.

How is SIP maturity calculated?

It uses the future value of an annuity: FV = P × ((1+i)^n − 1) ÷ i × (1+i), where P is the monthly amount, i the monthly return, and n the number of installments.

Are SIP returns guaranteed?

No. The expected return is an assumption. Actual returns depend on market performance and can be higher or lower than projected.

What return should I assume?

For equity mutual funds, many investors use a long-term estimate of 10–12% per year, but you should adjust this based on the fund type and your own expectations.

Does starting earlier really matter?

Significantly. Because returns compound, an extra few years of investing can dramatically increase the final corpus, even with the same monthly amount.

What is a step-up SIP?

A step-up SIP increases your monthly contribution periodically (for example, 10% each year), helping your investment grow faster as your income rises.

SIP Calculator

Calculate returns on Systematic Investment Plans.

Input & results

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Results

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Calculation History

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Recent calculations are saved automatically as you adjust inputs.

Financial results are estimates for informational purposes only and are not financial, tax, or investment advice. Verify figures with a qualified professional before making decisions. See our full disclaimer.

What is SIP?

A SIP (Systematic Investment Plan) Calculator estimates the future value of regular, fixed mutual-fund investments. It shows how disciplined monthly investing, combined with compounding, can grow into a substantial corpus over time.

In a SIP you invest a fixed amount every month, and each contribution earns returns that are reinvested, so your money compounds. This calculator uses the future-value-of-an-annuity formula with monthly compounding to project your maturity amount from three inputs: monthly investment, expected annual return, and investment period. It separates how much you invested from how much you earned, making the power of compounding clear.

Why is it used?

SIPs turn investing into a habit and smooth out market volatility through rupee-cost averaging. Seeing the projected corpus helps you set realistic goals — a house down payment, a child's education, or retirement — and decide how much to invest each month to reach them.

Who should use it?

New and experienced investors planning long-term goals through mutual funds, and anyone who wants to understand how monthly contributions and compounding build wealth over 5, 10, or 20+ years.

How it works

Enter Monthly Investment, Expected Annual Return (%), Investment Period (years) in the input fields.
The calculator validates your entries and applies the correct sip formula.
Results update in real time as you change any value — no submit button needed.
Review the formula, variable definitions, and worked example below to see how the answer is derived.

Formula

F V = P \times \frac{( 1 + i ) ^{n} - 1}{i} \times (1 + i)

Variable definitions

Variable	Meaning
FV	Future value (maturity amount)
P	Monthly SIP investment amount
i	Monthly return = annual return ÷ 12 ÷ 100
n	Total number of monthly installments

How the formula works

Convert the expected annual return to a monthly rate: i = annual return ÷ 12 ÷ 100.
Set n to the total number of contributions (years × 12).
Apply the annuity future-value formula with the (1 + i) factor for start-of-month investing.
Invested amount = P × n; estimated returns = FV − invested amount.

Example calculation

₹10,000 invested monthly for 10 years at 12% expected annual return.

Input	Value
Monthly investment	₹10,000
Annual return	12%
Period	10 years

i = 12 ÷ 12 ÷ 100 = 0.01
n = 10 × 12 = 120
FV = 10000 × ((1.01)^120 − 1) ÷ 0.01 × 1.01
FV ≈ ₹23,23,391

Result

Maturity ≈ ₹23.2 lakh on ₹12 lakh invested — about ₹11.2 lakh of gains.

More examples

Same SIP continued for 20 years instead of 10.

Input	Value
Monthly investment	₹10,000
Annual return	12%
Period	20 years

i = 0.01, n = 240
FV ≈ ₹98,92,554

Result

≈ ₹98.9 lakh — doubling the period more than quadruples the corpus.

Methodology

Gather Monthly Investment, Expected Annual Return (%), Investment Period (years) from your documents or estimates.
Enter each value in the matching field; units must match the labels.
The calculator applies the SIP formula and updates results in real time.
Compare scenarios by changing one input at a time.

Benefits

Project long-term wealth from small, regular investments.
See exactly how much of your corpus is returns vs contributions.
Test different amounts and tenures to hit a target goal.
Understand compounding and the cost of starting late.

Use cases

Planning retirement or a child's education corpus.
Deciding a monthly amount to reach a financial goal.
Comparing SIP outcomes across different expected returns.
Demonstrating the benefit of starting early.

Tips & important notes

Expected return is an assumption, not a guarantee — equity returns vary year to year.
Step up your SIP annually to grow your corpus faster.
Stay invested through downturns; SIPs benefit from buying at lower prices.
Use realistic long-term return estimates (often 10–12% for equity funds).

Common mistakes

Treating projected returns as guaranteed outcomes.
Entering the annual return without converting to a monthly rate context.
Ignoring inflation when judging whether the corpus meets a future goal.

Related concepts

Rupee-cost averaging and market volatility
Compounding and time in the market
Lump-sum vs SIP investing

Good to know

SIP projections assume a constant return and ignore expense ratios, exit loads, and taxes. Actual mutual-fund returns fluctuate with the market. This is an estimate for planning, not investment advice.