SIP Calculator
Calculate the future value of your monthly SIP investments. Enter your monthly contribution, expected return rate, and tenure to see projected returns instantly.
Enter Investment Details
Investment Summary
Invested Amount
120 monthly payments of ₹5,000
₹6,00,000
Estimated Returns
At 12% per annum
₹5,61,695
Total Value
At end of investment period
₹11,61,695
Year-by-Year Growth
| Year | Invested | Value |
|---|---|---|
| Year 1 | ₹60.0 K | ₹64.0 K |
| Year 2 | ₹1.20 L | ₹1.36 L |
| Year 3 | ₹1.80 L | ₹2.18 L |
| Year 4 | ₹2.40 L | ₹3.09 L |
| Year 5 | ₹3.00 L | ₹4.12 L |
| Year 6 | ₹3.60 L | ₹5.29 L |
| Year 7 | ₹4.20 L | ₹6.60 L |
| Year 8 | ₹4.80 L | ₹8.08 L |
| Year 9 | ₹5.40 L | ₹9.74 L |
| Year 10 | ₹6.00 L | ₹11.62 L |
How is SIP Return Calculated?
Formula:
M = P × ([(1 + r)^n – 1] / r) × (1 + r)
Where:
M = Maturity Value
P = Monthly Investment
r = Monthly Rate of Return (Annual Rate ÷ 12 ÷ 100)
n = Number of Months (Years × 12)Worked Example
Scenario: ₹5,000/month SIP for 10 years at 12% annual return
SIP Calculator — FAQs
A SIP (Systematic Investment Plan) calculator is a tool that estimates the future value of your recurring monthly investments in a mutual fund, based on an assumed annual return rate and investment period.
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