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SIP calculator
See what a monthly mutual fund SIP could grow to.
Quick answer
A SIP invests a fixed amount every month, and its value is each instalment compounded at the assumed return. Formula: Future value = P × ((1 + i)^n − 1) ÷ i × (1 + i). ₹5,000 a month at 12% for 10 years grows to about ₹11,61,695, of which ₹6,00,000 is what you put in.
Read the guide: SIP vs lumpsum: which suits you, with numbers
Maturity value
₹11,61,695
- Amount invested
- ₹6,00,000
- Gain
- ₹5,61,695
Returns are not guaranteed. Real investments go up and down, so treat this as an illustration of the maths.
- Invested
- Gain
Year-by-year table
| Year | Invested so far | Gain so far | Balance |
|---|---|---|---|
| 1 | ₹60,000 | ₹4,047 | ₹64,047 |
| 2 | ₹1,20,000 | ₹16,216 | ₹1,36,216 |
| 3 | ₹1,80,000 | ₹37,538 | ₹2,17,538 |
| 4 | ₹2,40,000 | ₹69,174 | ₹3,09,174 |
| 5 | ₹3,00,000 | ₹1,12,432 | ₹4,12,432 |
| 6 | ₹3,60,000 | ₹1,68,785 | ₹5,28,785 |
| 7 | ₹4,20,000 | ₹2,39,895 | ₹6,59,895 |
| 8 | ₹4,80,000 | ₹3,27,633 | ₹8,07,633 |
| 9 | ₹5,40,000 | ₹4,34,108 | ₹9,74,108 |
| 10 | ₹6,00,000 | ₹5,61,695 | ₹11,61,695 |
How is SIP returns calculated?
A SIP puts a fixed amount into a fund every month. Each instalment buys units at that month’s price and then grows with the rest.
The calculator assumes a steady return, which real markets never give. Treat the result as a way to compare plans, not a promise.
The longer you stay invested, the more of the final value comes from growth on growth. The chart shows the gain overtaking what you put in.
What is the formula for SIP returns?
- Future value = P × ((1 + i)^n − 1) ÷ i × (1 + i)
- P = monthly amount, i = yearly return ÷ 12 ÷ 100, n = number of months
- Each instalment is assumed to go in at the start of the month.
Can you show a worked example of SIP returns?
₹5,000 a month for 10 years at 12%: i = 0.01 and n = 120, so the value is ₹11,61,695. You invested ₹6,00,000, so the gain is ₹5,61,695.
How much does a monthly SIP grow to?
Maturity value at an assumed 12% a year. Returns are not guaranteed.
| Monthly SIP | 5 years | 10 years | 15 years | 20 years |
|---|---|---|---|---|
| ₹1,000 | ₹82,486 | ₹2,32,339 | ₹5,04,576 | ₹9,99,148 |
| ₹2,000 | ₹1,64,973 | ₹4,64,678 | ₹10,09,152 | ₹19,98,296 |
| ₹5,000 | ₹4,12,432 | ₹11,61,695 | ₹25,22,880 | ₹49,95,740 |
| ₹10,000 | ₹8,24,864 | ₹23,23,391 | ₹50,45,760 | ₹99,91,479 |
| ₹15,000 | ₹12,37,295 | ₹34,85,086 | ₹75,68,640 | ₹1,49,87,219 |
| ₹25,000 | ₹20,62,159 | ₹58,08,477 | ₹1,26,14,400 | ₹2,49,78,698 |
Common questions
What return should I enter for a SIP?
Nobody can know the future return. Many people test a range such as 8%, 10% and 12% to see how much the result moves.
Is the SIP return guaranteed?
No. Mutual fund returns vary and you can lose money. The calculator shows the arithmetic for a steady rate only.
Does the calculator include tax or fund charges?
No. Taxes, expense ratios and exit loads reduce what you keep, so the real figure is lower.
Is SIP better than a lumpsum?
A SIP spreads purchases over time, which suits a regular income. See the lumpsum calculator and the SIP vs lumpsum guide to compare.
Can I raise my SIP every year?
Yes. The step-up SIP calculator shows how a yearly increase changes the result.