SIP Calculator
Estimate SIP returns with optional initial lump sum investment (compounded monthly).
Up to ₹ 10,000 crore
Up to ₹ 10,000 crore
0.1% to 100%
1 to 100 years
Year-by-Year Breakdown
| Year | Invested (₹) | Gain (₹) | Balance (₹) |
|---|---|---|---|
| Year 1 | 3,00,000 | 20,233 | 3,20,233 |
| Year 2 | 3,00,000 | 60,847 | 6,81,080 |
| Year 3 | 3,00,000 | 1,06,611 | 10,87,691 |
| Year 4 | 3,00,000 | 1,58,180 | 15,45,871 |
| Year 5 | 3,00,000 | 2,16,288 | 20,62,159 |
| Year 6 | 3,00,000 | 2,81,767 | 26,43,926 |
| Year 7 | 3,00,000 | 3,55,549 | 32,99,475 |
Estimates what a Systematic Investment Plan (SIP) — a fixed amount invested every month — grows to at an assumed rate of return, with an optional lump sum invested at the start.
Understanding the result
Maturity value is the estimated corpus at the end, total invested is what you put in, and estimated gain is the difference, split on the chart.
The return is an assumption, not a promise. Equity funds do not grow at a steady rate: actual returns vary year to year and can be negative over short periods. Try a lower rate as well to see a cautious outcome.
For a tenure past a year, the year-by-year breakdown lists what you invest, what it gains and the balance at the end of each year, with a lump sum as the starting balance. Export CSV downloads it.
How to use it
- Initial investment — an optional lump sum at the start; leave it at 0 for a plain SIP.
- Monthly SIP amount — invested at the start of every month.
- Expected annual return — from 0.1% to 100%.
- Investment duration — in years (1 to 100) or months (1 to 1,200).
How it works
The annual return is divided by 12 and compounded monthly. Each instalment is invested at the start of its month, so it earns a full month of growth; the lump sum compounds over the whole period at the same monthly rate. Results are rounded to the nearest rupee.
Compounding monthly at a twelfth of the rate grows faster than the rate itself: 12% a year this way is 12.68% a year in effect. This is how SIP calculators conventionally work. The lumpsum calculator compounds once a year, so the same lump sum shows a lower value there.
SIP value = M × ((1 + r)ⁿ − 1) ÷ r × (1 + r)
Lump sum value = L × (1 + r)ⁿ
M = monthly amount, L = lump sum, r = annual return ÷ 12 ÷ 100, n = months
Examples
₹25,000 a month for 10 years at 12%
You invest ₹ 30,00,000, which grows to about ₹ 58,08,477 — a gain of ₹ 28,08,477.
Starting with a lump sum
Adding ₹ 2,00,000 at the start lifts the maturity value to ₹ 64,68,554 on a total investment of ₹ 32,00,000.
What ₹10,000 a month can grow to
| Return | 5 years | 10 years | 15 years | 20 years | 25 years |
|---|---|---|---|---|---|
| 8% | ₹ 7,39,667 | ₹ 18,41,657 | ₹ 34,83,451 | ₹ 59,29,472 | ₹ 95,73,666 |
| 10% | ₹ 7,80,824 | ₹ 20,65,520 | ₹ 41,79,243 | ₹ 76,56,969 | ₹ 1,33,78,903 |
| 12% | ₹ 8,24,864 | ₹ 23,23,391 | ₹ 50,45,760 | ₹ 99,91,479 | ₹ 1,89,76,351 |
| 15% | ₹ 8,96,817 | ₹ 27,86,573 | ₹ 67,68,631 | ₹ 1,51,59,550 | ₹ 3,28,40,737 |
Frequently asked questions
See also
- Step-Up SIP Calculator — when you plan to raise the monthly amount every year.
- Lumpsum Calculator — to invest the whole amount at once instead.
- Inflation Calculator — what today's goal will cost when your SIP matures.