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SIP Calculator
Project SIP growth from monthly amount and return.
Use the SIP Calculator tool
What this sip calculator does
SIP Calculator projects the future value of a systematic investment plan using monthly contributions, an assumed annual return and a time horizon. It compounds monthly and assumes each contribution is made at the start of the month, which is the common convention for SIP illustrations.
The projection is an illustration, not a promise. Equity returns vary and can be negative over short periods. Changing the assumed return by a percentage point or two makes a large difference over 20 years, so treat the output as a range to plan around, not a forecast.
Why use it
- See how much of the final corpus comes from contributions versus compounding.
- Compare a 10-year and a 20-year horizon for the same monthly amount.
- Check whether your current SIP is on track for a target amount.
How to use it
- 1Enter the monthly contribution.
- 2Set an expected annual return and the number of years.
- 3Read the invested amount, estimated gain and maturity value.
- 4Open the year-wise table to see how compounding accelerates later.
Worked examples
Ten-year SIP
Input
₹10,000 per month · 12% expected return · 10 years
Output
Invested ₹12,00,000 · estimated value ₹23,23,391 · gain ₹11,23,391
An assumption of 12% is used for illustration only; actual returns will differ.
Common mistakes
- Treating the projected value as guaranteed.
- Ignoring inflation, which reduces the real purchasing power of the final corpus.
- Stopping contributions during market falls, which is when the monthly purchase buys the most units.
Frequently asked questions
What return should I assume?
Many planners model 10–12% for equity funds over long periods, but that is an assumption, not a guarantee. Run the calculation at several rates to see the range.
Does the calculator include exit loads or expense ratios?
No. It uses the return you enter. If you want a net figure, enter an expected return after fund expenses.
What if I increase the SIP amount each year?
This version assumes a constant monthly contribution. For a step-up SIP, run separate periods or use a spreadsheet with the same monthly compounding formula.