SIP Calculator
Estimate the maturity value and returns of a monthly mutual fund SIP or a lump-sum investment, with inflation adjustment.
About this calculator
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. This free SIP calculator estimates the maturity value of your investment, the total amount you will have invested, and the wealth gained, using the standard future-value formula. Switch to lump-sum mode to model a one-time investment instead.
How SIP returns are calculated
A SIP is a series of monthly investments, each compounding until maturity, so it uses the future-value-of-annuity formula FV = P × ((1 + r)ⁿ − 1) ÷ r × (1 + r), where P is the monthly contribution, r is the monthly return (annual ÷ 12 ÷ 100) and n is the number of monthly instalments.
Worked example
Invest ₹10,000 a month for 10 years at an assumed 12% annual return. You contribute ₹12,00,000 over those 120 months, but thanks to compounding the projected maturity value is about ₹23,23,391 — roughly ₹11,23,391 of wealth gained on top of what you put in.
Why starting early matters
Compounding rewards time more than amount. The same ₹10,000 SIP run for 20 years instead of 10 doesn't just double — it grows several times larger, because each year's returns themselves earn returns. Starting a few years earlier often beats investing a larger amount later.
Tips to get more from a SIP
- Step up annually — raising your SIP as your income grows dramatically increases the final corpus.
- Stay invested through dips — SIPs average your cost, so falling markets buy more units.
- Use a realistic rate — equity funds have historically returned ~10–14% long term, but nothing is guaranteed.
Add an optional inflation rate to see the real, inflation-adjusted value. All calculations run privately in your browser, and returns are estimates based on the rate you choose — consult a financial advisor before investing. Repaying a loan too? See the EMI calculator or the compound interest calculator.
Why use this tool
Project SIP growth
See the future value of monthly mutual-fund investments with compounding returns.
Invested vs returns
Understand how much is your contribution versus market growth.
Plan any goal
Model different amounts, rates and durations to hit a target corpus.
Common use cases
- Plan a SIP towards a financial goal
- See how monthly amount affects the final corpus
- Compare short vs long investment horizons
- Estimate retirement or education savings
Frequently asked questions
Using the future-value-of-annuity formula FV = P × ((1+r)ⁿ − 1) / r × (1+r), where P is the monthly amount, r is the monthly return, and n is the number of months.
Equity mutual funds have historically returned roughly 10–14% annually over the long term, but returns are not guaranteed. 12% is a common planning assumption.
A SIP invests a fixed amount every month, averaging your purchase price over time, while a lump sum invests once upfront. Toggle between the two to compare.
It shows what your maturity amount is worth in today's money after accounting for inflation, giving a more realistic sense of future purchasing power.
No. Mutual fund returns depend on market performance and are not guaranteed. This is an estimate for planning only.
Related calculators
Explore more free tools
Every category runs free in your browser — nothing is uploaded.