SIP Calculator
A SIP (Systematic Investment Plan) invests a fixed amount at a fixed interval. Enter your monthly amount, an expected annual return and a duration to see the projected corpus, how much of it is your own contribution, and how the two diverge year by year.
₹10,000 / month
12% per annum
10 years
Invested
₹12.00 L
Returns
₹11.23 L
Total Value
₹23.23 L
Year-by-Year Growth
| Year | Invested | Value | Gain |
|---|---|---|---|
| 1 | ₹1.20 L | ₹1.28 L | ₹8,093 |
| 2 | ₹2.40 L | ₹2.72 L | ₹32,432 |
| 3 | ₹3.60 L | ₹4.35 L | ₹75,076 |
| 4 | ₹4.80 L | ₹6.18 L | ₹1.38 L |
| 5 | ₹6.00 L | ₹8.25 L | ₹2.25 L |
| 6 | ₹7.20 L | ₹10.58 L | ₹3.38 L |
| 7 | ₹8.40 L | ₹13.20 L | ₹4.80 L |
| 8 | ₹9.60 L | ₹16.15 L | ₹6.55 L |
| 9 | ₹10.80 L | ₹19.48 L | ₹8.68 L |
| 10 | ₹12.00 L | ₹23.23 L | ₹11.23 L |
Investment Breakdown
Illustrative projections based on assumptions. Actual returns will vary. No guarantee of returns.
How the calculation works
The projection uses the standard future-value formula for a series of equal payments, compounded monthly:
FV = P × [ (1 + i)n − 1 ] / i × (1 + i)
where P is the monthly instalment, i is the monthly rate (annual rate ÷ 12 ÷ 100), and n is the number of instalments. The trailing (1 + i) assumes each instalment is invested at the start of its month.
This assumes a constant rate of return, which no real fund delivers. Two funds with the same average return can produce different final values depending on the order in which those returns arrived, so treat the output as an illustration of compounding rather than a forecast. It also excludes taxes and exit loads.
To see what a SIP would actually have returned in a specific fund over specific dates, use the XIRR calculator with your real instalment dates and amounts.
SIP calculator FAQs
How does this SIP calculator work?
It compounds a fixed monthly investment at a constant assumed rate of return, using the standard future-value formula for a series of equal payments. It shows what a steady return would produce — it is an illustration, not a forecast.
What return rate should I assume?
There is no correct answer, because future returns are unknown. Many people run the same plan at several rates to see how sensitive the outcome is. Real returns vary year to year, and a long run of average returns is not the same as a steady one.
Why does my actual SIP value differ from this?
Because real returns are not constant. The same average return delivered in a different order produces a different final value, and actual investing also involves cost, taxes and the exact dates of each instalment.