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SIP Calculator

Calculate SIP returns and future value of systematic monthly investments with step-up options and year-by-year growth breakdown.

Increase your SIP by this % every year

Future value

—

Total invested

$600,000

Est. returns

$561,695

Invested 52%
Returns 48%

Corpus growth over time

Invested Returns
Year-by-year growth
Year Invested Value
Compare two scenarios

Scenario A

Future Value—
Total Invested—
Total Returns—

Scenario B

Future Value—
Total Invested—
Total Returns—

Adjust values above to compare

Disclaimer. Projected returns are estimates based on your inputs and standard formulas. They are not investment advice or guarantees of future performance.

Method

How this calculator works

A SIP grows because each contribution earns returns on the contributions before it. The further out a contribution sits, the more compounding it accumulates — that is why early years feel slow but later years feel exponential.

FV = P × ((1+r)ⁿ − 1) / r × (1+r)

P  = monthly investment
r  = annual rate / 12 / 100   (monthly rate)
n  = tenure in months
FV = future value
  1. Enter the monthly amount you plan to invest.
  2. Enter the annual return rate you expect (use a conservative figure for safety).
  3. Enter the tenure in years — the longer the better, because compounding scales with time.
  4. The calculator multiplies your contribution by the SIP future-value formula and outputs the projected portfolio value.
  5. It also splits the result into "invested" (your money) and "returns" (the markets did this) so you can see how compounding takes over.

Examples

Worked examples

Real numbers, end-to-end results.

$5,000/month · 12% return · 10 years

Future value ≈ $1.16M · Returns ≈ $562k

Total invested $600,000.

$10,000/month · 10% return · 20 years

Future value ≈ $7.65M · Returns ≈ $5.25M

Compounding does most of the work.

$2,000/month · 8% return · 5 years

Future value ≈ $147k · Returns ≈ $27k

Short tenures give compounding little time to work.

Use cases

When to use it

  • Plan retirement contributions and see the impact of starting earlier.
  • Compare two strategies — for example, $5k/mo for 30 years vs $10k/mo for 15.
  • Estimate the SIP needed to reach a specific goal (down payment, education, FIRE).
  • Demonstrate the power of compounding to a friend or junior colleague.

Enter values in your preferred currency. Results are returned in the same currency.

Disclaimer: This calculator provides estimates for informational and educational purposes only. It is not a substitute for professional financial advice, tax planning, or investment guidance. Always consult a qualified financial advisor or accountant for decisions affecting your finances.

Sources: Uses future value of annuity formula for periodic investments with compound growth. No regulatory formula — standard financial mathematics.

FAQ

Frequently asked questions

What is a SIP?
A Systematic Investment Plan is a way to invest a fixed amount in mutual funds (or other instruments) at regular intervals — typically monthly. It is the disciplined-investing equivalent of dollar-cost averaging.
How does this calculator estimate returns?
It uses the standard SIP future-value formula: FV = P × ((1+r)<sup>n</sup> − 1) &divide; r × (1+r), where P is the monthly contribution, r is the monthly rate (annual rate ÷ 12 ÷ 100), and n is the number of months. It assumes contributions are made at the start of each period.
Why is the future value not guaranteed?
Real markets are volatile. The expected-return slider is a long-term average — your actual returns will fluctuate year to year. Use the calculator to set realistic expectations, not as a forecast.
What return rate should I assume?
Equity mutual funds historically average 10–14% annually over long horizons; debt funds 6–8%; hybrid funds in between. Always model with a conservative rate alongside your optimistic one.
Should I increase my SIP each year?
Absolutely! Use the "Annual step-up" slider on this calculator to model exactly that. Even a 5–10% yearly increase dramatically boosts the final corpus. The calculator shows the extra gain over a flat SIP in real time.
Methodology, assumptions & limitations

How we calculate: This calculator uses standard, peer-reviewed mathematical formulas implemented in TypeScript. All calculations run entirely in your browser — no data is sent to any server.

Assumptions: Unless stated otherwise, calculations assume constant rates over the specified period, no taxes or fees beyond those explicitly input, and standard compounding conventions for the formula type.

Limitations: Results are estimates for planning purposes. Real-world outcomes may differ due to variable rates, regulatory changes, taxes, fees, inflation, or other factors not modeled. This tool does not constitute financial, tax, or investment advice.

When NOT to use this: Do not rely solely on this calculator for major financial decisions such as mortgages, retirement planning, or tax filing without consulting a qualified financial advisor or accountant.

Feedback: Found an error or have a suggestion? Contact us — we review and correct reported issues within 48 hours.

Deep Dive Guide

Sip Guide

Comprehensive guide for sip.

Read Full Guide

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