Free SIP calculator — estimate what a monthly investment could grow to
A SIP (systematic investment plan) puts a fixed amount into a mutual fund every month. This calculator estimates how much your SIP could be worth after a number of years, for an annual return you choose. You see the total you put in, the estimated gain, the maturity value, and a year-by-year table. You can also add a yearly step-up, if you plan to raise your SIP as your income grows, or switch to a one-time lump sum.
How to use the SIP calculator
- Enter your monthly investment in rupees.
- Enter the expected annual return in percent. This is an assumption, not a promise. Pick a number you are comfortable planning with.
- Enter the number of years you plan to stay invested.
- Optionally enter a yearly step-up, the percentage by which you raise your monthly amount at the start of each new year.
- Click Calculate to see the invested amount, estimated returns and maturity value.
How the estimate is worked out
Returns are compounded monthly. The monthly rate is the annual rate divided by 12, and each instalment is assumed to be invested at the start of its month. Without a step-up, the maturity value is P × [((1 + r)n − 1) ÷ r] × (1 + r), where P is the monthly amount, r is the monthly rate and n is the number of months. With a step-up, the tool adds month by month and raises the instalment at the start of each year. For a lump sum, it uses A = P × (1 + annual rate)years.
Worked example
A SIP of ₹5,000 a month for 10 years at an assumed 12% a year puts in ₹6,00,000 in total. Under this calculation it grows to about ₹11,61,695, so the estimated gain is about ₹5,61,695. If the same SIP is raised by 10% every year, you put in about ₹9,56,245 and the estimate rises to about ₹16,87,163. The same ₹5,000 for one year at 12% gives about ₹64,047 on ₹60,000 invested.
What this calculator does not include
- Real returns vary. Market-linked funds do not earn a steady rate. Some years are negative, so your actual result can be lower or higher.
- Costs and tax. Fund expenses, exit loads and tax on gains are not deducted.
- Inflation. The result is in future rupees. What it can buy will be less than the same number today.
- Your fund's own date rules. Actual SIP dates and unit allocation can shift the figures a little.
Runs entirely in your browser
The calculation happens on your device. The amounts you type are not uploaded to our servers. If you are comparing a loan with an investment, try the EMI calculator, or use the percentage calculator for quick percentage maths.
Important notice
This is an estimate for planning only. It is not investment advice, a forecast, or a promise of returns from any scheme. Mutual fund investments are subject to market risk. Check the scheme documents and speak to a qualified adviser before you invest. SR Infobiz accepts no liability for decisions made only on the basis of this tool.
Need a custom calculator or tool built for your business? Get in touch with SR Infobiz.