SIP Calculator
Calculate how much your monthly SIP will grow over time with the power of compounding — with year-by-year breakdown.
Enter a value that satisfies the displayed range and increment.
Enter a value that satisfies the displayed range and increment.
Enter a value that satisfies the displayed range and increment.
Invested
—
Est. Returns
—
Total Value
—
Show year-by-year growth ▸
| Year | Invested | Est. Value | Est. Gain |
|---|
How this SIP calculator works
Enter your monthly investment, an expected annual return, and how long you plan to invest. The calculator compounds your instalments monthly and shows the corpus you could accumulate, split into what you invested and what your money earned.
The formula
FV = P × ((1+r)n − 1) ÷ r × (1+r), where P is the monthly SIP, r the monthly rate of return, and n the total number of instalments. Instalments are assumed to be invested at the start of each month.
Why starting early matters more than investing more
At 12% a year, ₹10,000 a month becomes roughly ₹23 lakh in 10 years — but about ₹1 crore in 20 years. Doubling the time multiplies the outcome by over four times, because returns themselves start earning returns. This illustrates compounding under the entered assumptions; it does not determine whether, when, or where a reader should invest.
The return is a user-controlled scenario, not a forecast or recommended planning rate. Compare several assumptions and independently account for fees, taxes, volatility, and the possibility of loss.
Methodology and limits
- Method version
sip-annuity-due-v1- Class
- A / R1 (pure-math)
- Effective date
- not-applicable
- Jurisdiction
- not-applicable
- Source status
- not-required-pure-math
- Rounding
- Keep full precision for calculation; round only when formatting displayed INR values.
- Review trigger
- formula, input-contract, rounding, assumption, or methodology-copy change
Formula: FV = P × ((1 + r)^n - 1) / r × (1 + r), with r = annualRatePercent / 1200 and n = years × 12
Educational boundary: Scenario illustration only; the entered return is not a forecast or recommended assumption.
Included: Equal monthly beginning-of-period contributions; A user-entered constant return and whole-year horizon
Excluded: Actual fund performance; Fees, taxes, irregular cash flows, product selection or suitability
Inputs: monthlyContribution (INR; 500–500000; default 10000, existing public route default) · annualRatePercent (percent per year; 1–30; default 12, existing public route default) · years (whole years; 1–40; default 10, existing public route default)
Outputs: invested (INR; raw calculation; displayed rounded to nearest rupee) · estimatedGain (INR; raw calculation; displayed rounded to nearest rupee) · futureValue (INR; raw calculation; displayed rounded to nearest rupee)
Assumptions: Equal monthly contributions occur at the start of each month. The entered nominal annual return compounds monthly and remains constant.
- Educational illustration only; outputs are not forecasts, guarantees, recommendations, or personalised advice.
- Returns, rates, inflation, fees, taxes, cash-flow timing, and product terms can differ from the entered assumptions.
- Displayed rupee values are rounded only after the full-precision calculation.
Frequently Asked Questions
What is a SIP?
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund at a regular interval — usually monthly. Instead of timing the market, you buy units at different prices over time, which averages out your purchase cost (rupee cost averaging).
How is SIP return calculated?
This calculator uses the future value of an annuity-due formula: FV = P × ((1+r)^n − 1)/r × (1+r), where P is the monthly investment, r is the monthly rate (annual return ÷ 12), and n is the number of monthly instalments.
Is the entered return a forecast?
No. It is a user-controlled scenario. Compare several values and independently consider volatility, fees, taxes and loss; the calculator does not recommend a planning rate.
Can I lose money in a SIP?
Yes. A SIP is a way of investing, not a product guarantee — if the underlying fund falls, your investment falls too. SIPs reduce timing risk over long horizons but do not eliminate market risk.
Is there a minimum or maximum SIP amount?
Most funds allow SIPs starting at ₹100–₹500 per month with no practical upper limit. You can increase, pause, or stop a SIP at any time — there is no lock-in except for ELSS funds (3 years per instalment).
How are SIP gains taxed?
Tax is excluded from every result. Treatment depends on the product, asset classification, acquisition and sale dates, each instalment, and the rules then in force; verify it independently.
Disclaimer: This calculator produces illustrative estimates only. Actual returns vary and, unless stated otherwise, results exclude expense ratios, exit loads, transaction costs, and taxes. Assumed rates are inputs, not forecasts or assured returns. This is educational content, not personalized investment advice — see our full disclaimer.