SIP Calculator
See how a monthly mutual fund SIP can grow over time — and how much of your final corpus comes from gains rather than your own deposits.
How to use this SIP calculator
A Systematic Investment Plan (SIP) is a way of investing a fixed amount into a mutual fund every month. Pick your currency, then enter how much you plan to invest each month, the annual return you expect from the fund, and how many years you intend to keep investing. The calculator instantly projects the future value of your investment, the total amount you will have invested, and the estimated gains earned along the way. Adjust the sliders to see how a slightly higher contribution or a few extra years changes the outcome.
How this is calculated
We use the standard SIP future value formula for monthly investments made at the start of each period. The monthly rate is i = annual return ÷ 12 ÷ 100, and the number of instalments is n = years × 12. The future value is FV = M × ((1 + i)n − 1) ÷ i) × (1 + i), where M is your monthly investment. Your total invested is simply M × n, and your estimated gains are the future value minus what you put in. Returns are assumed constant for simplicity, so treat the result as a long-run estimate rather than a promise.
Educational estimate, not investment advice — see our disclaimer.
A worked example
Suppose you invest ₹10,000 every month for 10 years in a fund you expect to return 12% a year. Over that decade you contribute ₹10,000 × 120 months = ₹12,00,000 of your own money. With monthly compounding at 1% per month, the projected future value climbs to roughly ₹23,00,000 — meaning close to half of the final corpus comes from gains rather than your deposits. Stretch the same SIP to 20 years and the gains portion grows dramatically, because the earliest instalments compound the longest. This is the core idea behind starting a SIP early and staying invested.
Why SIP returns are estimates, not guarantees
Mutual funds invest in market-linked assets such as equities and bonds, whose values rise and fall. The expected return you enter is an assumption, not a fixed rate the fund must deliver. Some years your fund may beat it; in others it may fall short or even lose value. The rupee-cost averaging effect of investing every month smooths out some of this volatility, but it does not remove risk. Always treat the projected figure as one plausible scenario and plan with a conservative return assumption rather than the most optimistic one.
SIP versus lumpsum
A SIP spreads your investment across many months, buying more units when prices are low and fewer when they are high. A lumpsum puts your whole amount to work at once, which can win when markets rise steadily but stings if you invest right before a downturn. SIPs suit investors building wealth from regular income, while a lumpsum suits a windfall you want fully invested. To compare, try our lumpsum calculator alongside this one. If you want to understand the compounding engine behind both, our compound interest calculator shows how returns build on themselves over time.