SIP Calculator

How it's calculated

FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i), where i is the monthly rate and n is the number of monthly instalments, each invested at the start of the month.

How a SIP grows over time

A Systematic Investment Plan (SIP) invests a fixed amount every month. Because each instalment earns returns for a different length of time, the earliest ones do most of the work. This is why starting early matters more than the size of each instalment.

With the example values, ₹10,000 a month for 15 years at an assumed 12% a year grows to about ₹50.5 lakh, of which ₹18 lakh is your own money and the rest is growth. The 12% is an assumption for illustration, not a promise. Market-linked returns vary and can be negative in any given year.

Frequently asked questions

How is SIP return calculated?

The calculator assumes each instalment is invested at the start of the month and grows at the monthly equivalent of your expected annual return. The final value is the sum of all instalments with their growth.

What return should I assume?

Use a cautious figure and try a few. Showing a range, such as 8%, 10% and 12%, gives a more realistic picture than a single optimistic number.

Is a SIP better than a lump sum?

Neither is always better. A SIP suits regular income and spreads your entry across market highs and lows. Compare both with the Lumpsum Calculator.

How to use the SIP Calculator

Enter monthly investment, expected return (p.a.), duration. The calculator updates as you type and shows Estimated value, along with the figures behind it. It runs in your browser, so nothing you enter is sent anywhere. Use the Reset button to go back to the example values.