SIP Calculator
Estimate the future value of a monthly SIP investment based on expected annual return and a duration in years or months, with a growth chart and year-wise breakdown.
Projected returns
Growth over time
What is SIP Calculator?
SIP Calculator models the future wealth accumulation of a Systematic Investment Plan (SIP) in equity or debt mutual funds using standard annuity-due compounding math. Assuming instalments are deposited at the start of each month, it computes total principal invested, estimated compounded gains, and maturity value for custom durations in years or months.
How to use SIP Calculator
- 1Enter your planned monthly SIP investment amount in Rupees.
- 2Enter an assumed annual rate of return (e.g. 12% for equity funds).
- 3Select duration in years or months to see projected maturity values and wealth gain breakdowns.
Key features
Annuity-Due Compounding Model
Calculates growth assuming monthly contributions compound from the start of each instalment period.
Flexible Duration Units
Supports planning in either whole years or custom month counts (e.g. 18 or 36 months).
Year-by-Year Schedule Breakdown
Inspect invested principal vs accumulated market valuation at every annual milestone.
Local In-Browser Computation
Calculates projections entirely on your device with complete privacy for financial figures.
Examples & use cases
10-Year Long-Term Equity SIP Scenario
Monthly SIP of ₹10,000 for 10 years at an assumed 12% annual return
Monthly: ₹10,000 | Return: 12% | Duration: 10 Years (120 Months)
Invested: ₹12,00,000 | Estimated Gains: ₹11,23,391 | Future Value: ₹23,23,391
5-Year Moderate SIP Scenario
Monthly SIP of ₹5,000 for 5 years at an assumed 10% annual return
Monthly: ₹5,00,000 (total over 5y): Monthly ₹5,000 | Return: 10% | Duration: 5 Years (60 Months)
Invested: ₹3,00,000 | Estimated Gains: ₹90,412 | Future Value: ₹3,90,412
Frequently asked questions
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