What is the SIP Calculator?
A systematic investment plan (SIP) invests a fixed amount every month. This calculator estimates what the plan could grow to at a steady assumed return.
How to use the SIP tool
- Enter Monthly investment, Expected annual return and Investment period.
- The result updates instantly as you type, or press Calculate.
- Use Try an example to see how it works, and Reset to start again.
Formula
Future value = M × ((1 + i)^n − 1) ÷ i × (1 + i), where M is the monthly amount, i the monthly rate and n the number of months.
Worked example
With monthly investment 5000, expected annual return 12%, investment period 10 years, the maturity value comes to 1,161,695. Total invested: 600,000; Estimated returns: 561,695.
Frequently asked questions
Are SIP returns guaranteed?
No. Market-linked returns vary, so the result is only an estimate.
What return should I assume?
Use a realistic long-term figure for your chosen fund type, not the best recent year.
SIP maturity at 12% a year
Monthly investment compounded monthly; amounts in your currency.
| Monthly amount | 5 years | 10 years | 15 years | 20 years |
|---|---|---|---|---|
| 100 | 8,249 | 23,234 | 50,458 | 99,915 |
| 500 | 41,243 | 116,170 | 252,288 | 499,574 |
| 1,000 | 82,486 | 232,339 | 504,576 | 999,148 |
| 5,000 | 412,432 | 1,161,695 | 2,522,880 | 4,995,740 |
| 10,000 | 824,864 | 2,323,391 | 5,045,760 | 9,991,479 |
FAQ
What return should I assume? Equity funds have varied; use a cautious rate and test several.
Is this guaranteed? No. Returns are an estimate.
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Checked by Calcovate · Formula tested against worked examples · Updated 8 Nov 2026 · How we check our calculators. General information only, not financial or medical advice.