Investment planner
SIP Calculator
Estimate how monthly investments can grow over time and see the difference between total investment and expected wealth gained.
Calculator
Calculate SIP maturity value
Enter your monthly investment, expected annual return, and investment duration.
Scenario comparison
Compare SIP options
Test up to three SIP plans side by side and quickly spot the option with the highest estimated maturity value.
Year-wise SIP growth
Follow the estimated annual journey of your SIP investment.
| Year | Total investment | Estimated value | Estimated gains |
|---|---|---|---|
| Your projection will appear here. | |||
Last updated: May 2026
What is this calculator?
This SIP calculator estimates how a fixed or step-up monthly investment may grow over time. It helps you compare invested amount, estimated value, and possible gains.
Formula used
FV = P x [((1 + r)n - 1) / r] x (1 + r), where P is monthly SIP, r is monthly return, and n is number of months.
Example calculation
If you invest Rs. 5,000 per month for 10 years at 12% expected annual return, the calculator estimates the maturity value after 120 installments.
How to use it
- Enter your monthly SIP amount.
- Add an expected annual return.
- Choose the investment duration.
- Optionally enter an annual step-up percentage.
- Review maturity value, investment, gains, and year-wise projection.
Benefits
- Understand the long-term impact of regular investing.
- Estimate how much you may need to invest for a goal.
- Compare different return and duration assumptions.
Common mistakes
- Treating expected return as guaranteed.
- Ignoring market risk, taxes, and fund expenses.
- Using too short a duration for long-term goals.
FAQs
Is SIP return guaranteed?
No. SIP returns depend on market performance and the fund selected.
Can I change SIP amount later?
Yes. Many investors increase or decrease SIP amounts based on income and goals.
Disclaimer
Calculations are estimates for educational purposes only. Actual returns, taxes, expenses, and investment outcomes may vary.