See what a monthly SIP grows to, with a chart and year-by-year table
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 22 Oct 2026.A SIP invests the same amount every month, so you buy more units when prices fall and fewer when they rise. 10,000 rupees a month for 15 years at 12 per cent returns grows to roughly 50 lakh, of which 18 lakh is what you actually put in.
| Year | Invested (cumulative) | Value | Gains |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 | ₹8,093 |
| 2 | ₹2,40,000 | ₹2,72,432 | ₹32,432 |
| 3 | ₹3,60,000 | ₹4,35,076 | ₹75,076 |
| 4 | ₹4,80,000 | ₹6,18,348 | ₹1,38,348 |
| 5 | ₹6,00,000 | ₹8,24,864 | ₹2,24,864 |
| 6 | ₹7,20,000 | ₹10,57,570 | ₹3,37,570 |
| 7 | ₹8,40,000 | ₹13,19,790 | ₹4,79,790 |
| 8 | ₹9,60,000 | ₹16,15,266 | ₹6,55,266 |
| 9 | ₹10,80,000 | ₹19,48,215 | ₹8,68,215 |
| 10 | ₹12,00,000 | ₹23,23,391 | ₹11,23,391 |
Rates and rules read from the sources listed on this page (the earliest on 22 Oct 2026); they may have changed since.
Set the "Monthly investment" slider, or tap one of the amount chips above it.
Set "Expected return" to the yearly return you assume for the fund.
Set "Time period" to the number of years you will keep investing.
Read the "Estimated value", "Invested" and "Gains", and open "Year by year" for each year.
Press "Share result" to copy a link with these inputs.
The SIP calculator estimates how much a systematic investment plan grows to when you invest a fixed amount every month at an assumed annual return. You get the final value, the total you put in, and the gains on top, with a chart and a year-by-year table that update as you move the sliders.
People use it to answer a concrete question before starting a fund: will ₹10,000 a month for 10 years get me to ₹20 lakh, or do I need ₹15,000? Or to compare two plans, such as a 10-year SIP at 12% against a 15-year SIP at 10%, using the Compare A vs B tab.
Everything runs in your browser; nothing you type is sent anywhere. The calculation uses the standard future value of an annuity due, with the annual rate divided by 12 and one instalment at the start of each month:
FV = P × [((1+i)^n − 1) / i] × (1+i), where i = annual rate ÷ 12, n = months, P = monthly amount.
Real funds do not return the same percentage every year, so treat the figure as a planning estimate rather than a promise. Expense ratios, exit loads and capital gains tax are not included. Estimates for information only, not financial advice.
Yes. There is no signup, no limit on how many times you use it, and no watermark on the shared image. Ads may show in the reserved slot below the tool; they never change the result.
Each monthly instalment is compounded at the annual rate divided by 12 until the end of the period. This is the future value of an annuity due, the same formula used by AMFI and most fund houses.
No. The value shown is nominal: before capital gains tax, before the fund's expense ratio and before inflation. A corpus of 1 crore in 20 years buys roughly what 31 lakh buys today at 6% inflation. Use the Inflation Calculator for the real value and FD vs Mutual Fund for the tax.
Long-term Indian equity funds have historically returned about 10 to 14 percent a year, but with large swings. Try 10 and 12 to see a range rather than relying on one number.
A SIP where the monthly amount increases by a fixed percentage every year, usually in line with salary growth. Turn on Step-up SIP to see how a 10 percent yearly increase changes the final value.
Yes. Share copies a link that restores the monthly amount, return, period and step-up you entered, so a colleague opens the same figures. Embed gives an iframe snippet that puts the calculator on your own site. The link carries your inputs, so send it only to people you trust.
SIP ka return nikalna: enter the monthly amount, the return you assume and the number of years. Each instalment is compounded at the annual rate divided by twelve, the annuity-due formula fund houses use. The value shown is nominal, so the expense ratio, exit load, capital gains tax and inflation are not taken off.
Rates and rules change; check the source before you rely on a figure.
Still stuck? Ask about SIP Calculator and anybody who knows can answer. No account needed.
Same job, other tools: Debt Fund vs FD Calculator – Both taxed at your slab rate, so the comparison comes down to the return · FD vs SIP Calculator – A recurring deposit against a monthly SIP, after tax · Child Education Planning Calculator – Plan a college fund: the fee today, the fee then, and the SIP in between.
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