Does this SIP calculator guarantee future returns?
No. It uses assumed annual return inputs for planning and comparison only.
finance tool
SIP Calculator
Calculate SIP maturity value, invested amount, and estimated returns for monthly investments.
Enter the monthly amount, return, and tenure to project your SIP corpus growth.
Calculate the future value of your monthly investments with our SIP calculator. Input your monthly contribution, expected annual return, and investment duration to see how your money can grow over time.
SIP projection
₹50,45,760.00
This is the estimated corpus value based on your monthly contribution, return assumption, and time horizon.
- Monthly investment
- ₹10,000.00
- Invested amount
- ₹18,00,000.00
- Estimated returns
- ₹32,45,760.00
- Maturity value
- ₹50,45,760.00
Corpus composition
See how your final SIP value splits between invested capital and estimated gains.
Maturity50.46 Lakh
Invested amount
35.7%Estimated returns
64.3%Growth over time
Each year shows how your cumulative invested amount compares with the estimated gain component.
Invested amount
Estimated returns
Year 1₹1,28,093.28
Year 2₹2,72,432.00
Year 3₹4,35,076.47
Year 4₹6,18,348.34
Year 5₹8,24,863.67
Year 6₹10,57,570.31
Year 7₹13,19,789.97
Year 8₹16,15,265.65
Year 9₹19,48,215.05
Year 10₹23,23,390.76
Year 11₹27,46,148.15
Year 12₹32,22,521.75
Year 13₹37,59,311.45
Year 14₹43,64,179.52
Year 15₹50,45,760.00
Yearly SIP summary
| Year | Invested | Returns | Total value |
|---|---|---|---|
| Year 1 | ₹1,20,000.00 | ₹8,093.28 | ₹1,28,093.28 |
| Year 2 | ₹2,40,000.00 | ₹32,432.00 | ₹2,72,432.00 |
| Year 3 | ₹3,60,000.00 | ₹75,076.47 | ₹4,35,076.47 |
| Year 4 | ₹4,80,000.00 | ₹1,38,348.34 | ₹6,18,348.34 |
| Year 5 | ₹6,00,000.00 | ₹2,24,863.67 | ₹8,24,863.67 |
| Year 6 | ₹7,20,000.00 | ₹3,37,570.31 | ₹10,57,570.31 |
| Year 7 | ₹8,40,000.00 | ₹4,79,789.97 | ₹13,19,789.97 |
| Year 8 | ₹9,60,000.00 | ₹6,55,265.65 | ₹16,15,265.65 |
| Year 9 | ₹10,80,000.00 | ₹8,68,215.05 | ₹19,48,215.05 |
| Year 10 | ₹12,00,000.00 | ₹11,23,390.76 | ₹23,23,390.76 |
| Year 11 | ₹13,20,000.00 | ₹14,26,148.15 | ₹27,46,148.15 |
| Year 12 | ₹14,40,000.00 | ₹17,82,521.75 | ₹32,22,521.75 |
| Year 13 | ₹15,60,000.00 | ₹21,99,311.45 | ₹37,59,311.45 |
| Year 14 | ₹16,80,000.00 | ₹26,84,179.52 | ₹43,64,179.52 |
| Year 15 | ₹18,00,000.00 | ₹32,45,760.00 | ₹50,45,760.00 |
About This Tool
Use this SIP calculator to estimate how a monthly investment may grow over time at an assumed annual return.
It helps compare long-term investing against other monthly cashflow decisions such as loans and tax planning.
How To Use
- 1. Enter your monthly investment amount, expected annual return, and investment tenure.
- 2. Review invested amount, estimated returns, and maturity value.
- 3. Share the calculation when comparing scenarios with family or your advisor.
What SIP Planning Helps You Understand
- How much of the final value comes from your own contributions
- How much comes from estimated returns
- Whether increasing monthly investment meaningfully changes the final corpus
Frequently Asked Questions
What should I compare SIP against?
A common comparison is your monthly loan burden from the EMI Calculator.