SIP Calculator
Project what a fixed monthly SIP could grow to at an assumed rate of return.
Result
- Total invested
- ₹12,00,000
- 120 monthly instalments
- Est. returns
- ₹11,23,391
- Growth multiple
- 1.94x
- Maturity value ÷ amount invested
| Period | Invested | Est. value | Est. returns |
|---|---|---|---|
| Year 1 | ₹1,20,000 | ₹1,28,093 | ₹8,093 |
| Year 2 | ₹2,40,000 | ₹2,72,432 | ₹32,432 |
| Year 3 | ₹3,60,000 | ₹4,35,076 | ₹75,076 |
| Year 4 | ₹4,80,000 | ₹6,18,348 | ₹1,38,348 |
| Year 5 | ₹6,00,000 | ₹8,24,864 | ₹2,24,864 |
| Year 6 | ₹7,20,000 | ₹10,57,570 | ₹3,37,570 |
| Year 7 | ₹8,40,000 | ₹13,19,790 | ₹4,79,790 |
| Year 8 | ₹9,60,000 | ₹16,15,266 | ₹6,55,266 |
| Year 9 | ₹10,80,000 | ₹19,48,215 | ₹8,68,215 |
| Year 10 | ₹12,00,000 | ₹23,23,391 | ₹11,23,391 |
This projection assumes a constant rate of return for the whole period. It is an estimate only — actual returns vary, are not guaranteed, and nothing here is investment advice.
Estimated from the numbers you entered — not a projection of guaranteed returns.
About this calculator
A SIP invests a fixed amount every month, so each instalment compounds for a different length of time. This calculator applies the standard monthly-compounding annuity formula to show what the maths implies for the rate you assume. The return rate is your input, not a forecast — funds do not pay a fixed rate.
Formula
- FV = P × [ ((1 + i)^n − 1) ÷ i ] × (1 + i)
- i = annual return ÷ 12 ÷ 100, n = number of monthly instalments
- Estimated returns = FV − (P × n)
Frequently asked questions
Does a SIP guarantee this return?
No. The rate is an assumption you enter. Market-linked investments have no fixed return, and the actual outcome can be higher or lower.
Why does the calculator use monthly compounding?
Each instalment is invested a month apart, so each one earns for a different number of months. Converting the annual rate to a monthly rate is the standard way to reflect that.
What if I want to raise the instalment every year?
Use the step-up SIP calculator, which increases the monthly amount by a fixed percentage each year.