SIP Calculator
See what investing a fixed amount every month could grow to, and how much of the final figure is return rather than your own money.
SIP Calculator
Maturity value
₹11,61,695.38
that is about 11.62 lakh
- Total invested₹6,00,000.00
- Estimated gain₹5,61,695.38
Works out in your browser. Nothing you type is sent anywhere.
In short: SIP Calculator
Investing ₹5,000 a month for 10 years at 12% a year grows to about ₹11,61,695.38. You put in ₹6,00,000.00 of that, and ₹5,61,695.38 is return. Because each instalment compounds for a different length of time, the early ones do most of the work.
What is SIP?
A systematic investment plan, or SIP, is a fixed amount invested on the same date every month, usually into a mutual fund.
How is SIP calculated?
Multiply the monthly amount by one plus the monthly return raised to the number of instalments, less one, divided by the monthly return. Then multiply by one plus the monthly return once more, because each instalment goes in at the start of its month and so earns a full month of growth.
- FVthe value at the end, before tax
- Pthe amount invested every month
- ithe expected return for one month, as a decimal
- nthe number of monthly instalments
A worked example
| Monthly investment | ₹5,000 |
|---|---|
| Expected return (% a year) | 12% |
| Years invested | 10 years |
| Result | |
| Maturity value | ₹11,61,695.38 |
| Total invested | ₹6,00,000.00 |
| Estimated gain | ₹5,61,695.38 |
Every figure in this table is produced by the same calculation the tool above runs.
How to use this SIP calculator
- Enter the amount you can invest every month.
- Enter the yearly return you expect. Be honest rather than hopeful.
- Set how many years you will keep going.
- Compare the invested figure with the total to see what the return added.
Questions people ask
How is a SIP return calculated?
Each instalment is treated as its own investment that compounds from the day it goes in until the end. The first instalment compounds for the whole period and the last for barely a month, so the total is not simply the amount invested times a return. The formula above adds all of those up at once.
What return should I assume?
Nobody can tell you, because an equity fund's return is not fixed and past figures are not a promise. Many people model a range rather than a single number, and check what the plan looks like at the low end. Run this tool two or three times with different rates and plan for the worst of them.
Is the maturity figure what I actually receive?
No. Capital gains tax applies when you redeem, and an equity fund held beyond a year is taxed at the long-term rate above the exempt limit. The capital gains tool works out what would be due on a given gain.
Does stopping and restarting a SIP hurt much?
It costs you the growth those missed instalments would have had, which compounds for the rest of the term. A few missed months early in a long plan matter more than a few missed months near the end. Keeping the amount small enough to sustain beats starting large and stopping.
Accuracy and sources
Estimate only. Not financial or tax advice.
Checked by the Daytoolz team on 16 October 2026. How we check our tools.
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