Estimated future value
₹23,23,391
Illustrative value after 10 years at 12% a year.
SIP Calculator
Calculate SIP returns online: enter your monthly investment, expected annual return, and period to see the estimated future value, total invested, and estimated returns instantly.
Under 30 seconds
Updated 21 Aug 2026
12,450people used this
Results dashboard
Total investment
₹12,00,000
51.6% of the estimated future value.
Estimated returns
₹11,23,391
48.4% of the estimated future value.
Wealth multiple
1.94x
Estimated value for every rupee invested.
A SIP calculator estimates the potential future value of regular monthly investments using the monthly investment amount, the annual return you assume, and the investment period. Because mutual fund SIPs are market-linked, the maturity value shown is an estimate — actual returns can vary and are not guaranteed.
Visual breakdown
A visual view of your calculation.
Interactive charts arrive here soon.
Year-by-year growth
Cumulative investment, estimated returns, and estimated value at the end of each year.
| Year | Invested | Est. returns | Est. value |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹32,432 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹75,076 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹1,38,348 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹3,37,570 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹4,79,790 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹6,55,266 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹8,68,215 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹11,23,391 | ₹23,23,391 |
Smart Insights
Generated from the numbers you entered — no guesswork.
- Your total investment over 10 years would be ₹12,00,000.
- At the assumed 12% annual return, the estimated future value is ₹23,23,391.
- Estimated returns of ₹11,23,391 account for about 48.4% of that illustrative value.
- A long horizon is doing most of the work here: the later years add far more value than the early ones.
- These figures are illustrative and based on a constant assumed return; actual market-linked returns vary and are not guaranteed.
How does the SIP Calculator work?
Each step the calculator runs, in plain language.
- 1
What is a SIP?
A Systematic Investment Plan is a way of investing a fixed amount in a mutual fund at regular intervals, usually monthly. Each instalment buys units at that day's NAV, so your average purchase price is spread across market levels — an effect known as rupee-cost averaging.
- 2
How does a SIP work?
You choose a fund, an amount, and a date. The instalment is auto-debited from your bank account, units are allotted at the prevailing NAV, and they stay invested. Because each instalment keeps growing for the remaining months, older instalments contribute far more to the final value than recent ones.
- 3
How SIP returns are calculated
The expected annual return is converted to a monthly rate (annual ÷ 12). Every instalment is then compounded for the number of months it stays invested, and all instalments are added together — which is exactly what the future-value formula below does in one step.
- 4
What this calculator assumes
A constant assumed return every month, instalments invested at the start of each month, no missed payments, and no deduction for expense ratio, exit load, capital gains tax, or inflation. Real returns fluctuate year to year, so treat the output as an illustration for planning.
SIP Calculator formula
The exact maths behind every number on this page.
FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i)
- FV
- Estimated future value at the end of the period
- P
- Monthly investment amount
- i
- Monthly rate of return (annual return ÷ 12 ÷ 100)
- n
- Total number of instalments (years × 12)
Instalments are assumed to be invested at the start of each month and to compound monthly at a constant assumed return. Expense ratio, exit load, taxes, and inflation are not deducted.
SIP Calculator calculation example
₹10,000 invested monthly for 10 years at an assumed 12% annual return.
- 1Monthly amount (P)₹10,000
- 2Monthly rate (i)12 ÷ 12 ÷ 100 = 0.01
- 3Instalments (n)10 × 12 = 120
- 4Total investment₹12,00,000
- 5Estimated future value (FV)₹23,23,391 (approx.)
You invest ₹12,00,000 and the remaining ₹11,23,391 of the estimated value comes from compounding — an illustrative figure, not a guaranteed return.
Important assumptions
What this calculation includes, and what it leaves out.
- Each instalment is invested at the start of the month and every instalment is paid on schedule.
- The return you enter is treated as a steady annual rate, compounded monthly. Real market returns arrive unevenly and can be negative in some years.
- The SIP amount stays fixed for the whole period; step-up SIPs are not modelled.
- Exit load, expense ratio, and capital gains tax are not deducted, so the amount you actually receive will be lower.
Benefits
Why people use this calculator before signing a loan.
Start small, stay consistent
SIPs begin from a few hundred rupees a month, so investing does not wait for a lumpsum.
Rupee-cost averaging
Regular instalments buy more units when markets fall, smoothing your average cost.
Compounding over long horizons
The later years of a long SIP add the most value, which rewards an early start.
Limitations to keep in mind
Returns are market-linked and not guaranteed, equity SIPs can be down over short periods, and charges plus taxes reduce the value you actually receive.
Financial tips
Practical guidance to act on your result.
- Automate the instalment on your salary date so investing happens before spending.
- Increase your SIP whenever your income rises; a yearly top-up compounds strongly.
- Do not pause SIPs in a falling market — that is when each instalment buys more units.
- Review the assumed return once a year instead of reacting to monthly market moves.
Frequently asked questions
Short, direct answers to the questions we hear most.
Read the thinking behind it
Guides that explain how to use this calculation in a real decision.
Investments • 8 min read
Why a 10% step-up SIP beats a flat SIP
Small annual increases compound quietly. Here is the arithmetic behind step-up investing — and its limits.
Read guideInvestments • 6 min read
What return should you actually expect?
Why the rate you type into a calculator matters more than the calculator, and how to choose it sensibly.
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Step-Up SIP Calculator
See how annual SIP increases could grow your projected corpus.
NPS Calculator
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Inflation Calculator
Estimate future costs and the changing purchasing power of money.
Disclaimer
CalPaisa calculators are for general information and planning only. Results are estimates based on the values you enter and standard formulas, and may differ from the figures your bank, employer, or tax authority applies. Nothing here is investment, tax, or legal advice. Please confirm important decisions with a qualified professional. Read our financial disclaimer, learn how CalPaisa works, or tell us about a calculation you think is wrong.