Project the future value of a monthly SIP investment.
Calculated locally in your browser.
How is the future value of a monthly SIP calculated?
Future value = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i), where P is the monthly amount, i is the monthly rate (annual ÷ 12 ÷ 100) and n is the number of months. For example, 10,000 per month at 12% for 10 years invests 12,00,000 and could grow to roughly 23.2 lakh. Real market returns vary and are not guaranteed.
Understanding your result
Returns are assumed constant for the projection; real market returns vary and are not guaranteed.
Formula and method
Future value = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i), where P is the monthly amount, i is the monthly rate (annual ÷ 12 ÷ 100) and n is the number of months.
Assumptions and limitations
Market returns are not constant or guaranteed; this projection assumes a steady rate and ignores fees, taxes and inflation. Use it for planning, not as a promise of returns.
Worked example
10,000 per month at 12% for 10 years invests 12,00,000 and could grow to roughly 23.2 lakh.
How it compares
| Aspect | SIP (regular) | Lump sum |
|---|---|---|
| Timing risk | Spread out (averaging) | Concentrated |
| Discipline | Builds a habit | One-time decision |
| Best when | Investing from income | You already have the capital |
How to use this tool
- Enter your monthly investment.
- Add the expected annual return and number of years.
- Press Calculate.
Common mistakes to avoid
- Treating the projected return as guaranteed.
About the SIP Calculator
Estimate how much a regular monthly investment (SIP) could grow to, based on an expected annual return.
Who should use this tool
Investors who contribute a fixed amount each month to mutual funds or index funds and want to project the outcome.
Benefits
- Project the maturity value of regular investing.
- See total invested versus estimated returns.
- Plan contributions toward a long-term target.
Practical use cases
- Planning monthly mutual-fund contributions.
- Setting a SIP amount for a goal years away.
- Comparing different return assumptions.
Frequently asked questions
Is the return guaranteed?
No. SIP returns depend on market performance; this is an estimate for planning only.
What return rate should I enter?
Use a realistic long-term expectation for the type of fund, remembering that market returns vary year to year and are never guaranteed. Trying a lower and a higher figure shows a range of possible outcomes, which is more useful than relying on a single optimistic number.
Does the projection account for the timing of each instalment?
Yes. The formula assumes a contribution at the start of each period and compounds each instalment for the months it remains invested. Earlier instalments therefore grow more than later ones, which is why regular, sustained investing tends to matter more than any single deposit.