SIP Calculator
Tool that can help to calculate the returns you would earn on your SIP investments.
What is an SIP Calculator?
A SIP (Systematic Investment Plan) calculator helps you estimate how much your monthly investments can grow over time in mutual funds. You enter three things - monthly amount, expected annual return %, and years - and the tool shows your invested amount, estimated gains, and total value.
How to use this calculator?
- Enter your monthly SIP amount (₹).
- Choose an expected annual return (%) based on your risk comfort (conservative, balanced, or aggressive).
- Pick your time period (years).
- Review the three outputs shown above: Invested Amount, Estimated Gain, and Total Value (maturity value).
Formula & assumptions
This calculator uses the future value of a monthly SIP with monthly compounding:
Future Value of SIP = P × {[(1 + r/12)^(12×t) − 1] ÷ (r/12)} × (1 + r/12)
Where P = monthly SIP, r = annual return (decimal), t = years.
Assumptions:
- Contributions are monthly, compounding is monthly.
- This is an estimate; actual returns vary with markets and fund choice.
- Taxes, fees, and inflation are not included here (see FAQs).
Quick example
If you invest ₹10,000 per month for 10 years at 12% p.a. (monthly compounding):
- Invested: ₹12,00,000
- Estimated Gain: ≈ ₹11,23,391
- Total Value: ≈ ₹23,23,391
Tip: Try the calculator with different amounts and durations to see how compounding accelerates growth.
How much SIP for ₹1 crore in 10 years?
To target ₹1 crore in 10 years, you’d need roughly:
- ₹50,000/month at 10% p.a.
- ₹45,000/month at 12% p.a.
- ₹40,500/month at 14% p.a.
(Assumes monthly SIP, monthly compounding, and steady annual return; actual fund returns vary.)
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