SIP Calculator
Estimate the maturity value of your monthly investment.
Estimate how much a mutual-fund investment could grow to. Choose a monthly SIP, a one-time lumpsum or a step-up SIP that rises each year, set your amount, expected return and time period, and see the maturity value, total invested, estimated returns, an invested-vs-returns donut chart and a year-by-year growth table. Uses the standard annuity-due SIP formula. Runs fully in your browser — nothing is uploaded.
How to use SIP Calculator
Choose investment type
Pick monthly SIP, one-time Lumpsum or Step-up SIP in this free online SIP calculator to match how you actually invest in mutual funds.
Enter the amount
Drag or type your monthly SIP contribution or lumpsum amount so the tool can project the maturity value of your mutual-fund investment instantly.
Set expected return
Choose your expected annual return rate, and the calculator applies the standard SIP future-value formula to estimate your wealth over time.
Pick the time period
Set how many years you plan to stay invested so the SIP calculator can compound your contributions across the full investment horizon.
Read maturity value
The hero shows your estimated maturity value, total amount invested and projected returns, with a donut splitting your capital from the market gains.
Review yearly growth
Scan the year-by-year growth table to watch your invested amount and projected corpus rise each year, all computed privately inside your browser.
Frequently asked questions
What is a SIP?
A Systematic Investment Plan lets you invest a fixed amount in a mutual fund every month. It builds wealth gradually and averages out market ups and downs (rupee-cost averaging).
What return rate should I use?
It’s your expectation, not a promise. Indian equity funds have historically returned roughly 10–14% per year over the long term, while debt funds are lower. Use a realistic figure for your fund type.
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly investment by a fixed percentage each year — handy as your income grows. Even a 10% yearly step-up can dramatically raise your final corpus.
SIP vs Lumpsum — what’s the difference?
A SIP invests a little every month; a lumpsum invests one larger amount upfront. Use the Lumpsum mode for a one-time investment and SIP for recurring monthly investing.
How do I calculate SIP maturity value or returns?
Enter your monthly SIP amount, expected annual return rate and time period, and this SIP calculator instantly shows the estimated maturity value, total amount invested and estimated returns — using the standard SIP future-value formula FV = P × [((1+i)ⁿ − 1) ÷ i] × (1+i).
How much will a ₹10,000 monthly SIP grow to in 10 years?
At an expected 12% annual return, a ₹10,000 monthly SIP grows to roughly ₹23 lakh in 10 years on about ₹12 lakh invested. Change the amount, rate or period in the calculator to see your own projection and a year-by-year growth table.
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