See what your monthly investing could grow to. This free SIP calculator estimates the maturity value of a Systematic Investment Plan from your monthly amount, expected return and time period — with total invested and estimated returns.
Your SIP plan
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Maturity value
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Enter an amount, return and period
Total invested
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Estimated returns
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Monthly SIP
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Period
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Results update automatically as you type. Estimates only — returns are not guaranteed.
Use this free SIP calculator to estimate the future value of a Systematic Investment Plan. Enter your monthly investment, expected return and time period to see your maturity value, total invested and estimated returns.
What is a SIP calculator?
A SIP calculator estimates how much a Systematic Investment Plan could grow to. By investing a fixed amount every month and letting it compound at an expected rate of return, it projects your maturity value, total invested and estimated returns over your chosen period.
A SIP is a disciplined way to invest in mutual funds or index funds — you contribute the same amount on a regular schedule, which spreads your buying across market highs and lows (rupee-cost or dollar-cost averaging).
How to use the SIP calculator
Enter your monthly investment. The fixed amount you’ll invest each month.
Add your expected annual return. Equity funds are often modelled at 10–12% over the long term.
Set the investment period in years. Longer periods compound far more.
Read your result. Maturity value and estimated returns update instantly.
How SIP returns are calculated
A SIP uses the future value of a series of regular investments:
FV = P × [ ((1 + i)n − 1) ÷ i ] × (1 + i)
Where P is your monthly investment, i is the monthly rate (annual return ÷ 12), and n is the number of monthly instalments. Each instalment compounds from the month it’s invested, so early contributions grow the most.
SIP example
Investing $500 a month at an expected 12% return:
Period
Total invested
Maturity value
5 years
$30,000
$41,243
10 years
$60,000
$116,170
20 years
$120,000
$499,574
30 years
$180,000
$1,764,957
Over 30 years you’d invest $180,000 — but compounding turns it into roughly $1.76 million, the power of staying invested.
Benefits of investing through a SIP
Discipline. Automatic monthly investing builds a habit and removes guesswork.
Cost averaging. You buy more units when prices are low and fewer when high.
Compounding. Returns earn their own returns over time.
Flexibility. You can start small and increase your SIP as income grows.
SIP terms glossary
Term
What it means
SIP
Systematic Investment Plan — investing a fixed amount at regular intervals.
Maturity value
The projected total value at the end of the period.
Expected return
The assumed average annual growth rate.
Cost averaging
Buying at different prices over time to smooth out volatility.
Step-up SIP
A SIP where you increase the monthly amount each year.
SIP Calculator FAQ
What is a SIP?
A SIP, or Systematic Investment Plan, is a way of investing a fixed amount at regular intervals — usually monthly —
into a mutual fund or index fund. It builds discipline and spreads your purchases across market ups and downs.
How is SIP maturity value calculated?
It uses the future value of a regular investment: FV = P × [((1 + i)n − 1) ÷ i] × (1 + i),
where P is your monthly amount, i is the monthly return, and n is the number of instalments.
Each contribution compounds from the month it's invested.
What return should I assume for a SIP?
Equity mutual funds are often modelled at 10–12% per year over the long term, though actual returns are market-linked
and vary year to year. Use a conservative figure if you prefer a cautious estimate.
Is a SIP better than a lump sum investment?
Neither is always better. A SIP spreads risk through cost averaging and suits regular savers, while a lump sum can
compound longer if invested early. Many investors use both.
What is a step-up SIP?
A step-up SIP increases your monthly contribution by a set percentage each year, often in line with salary growth,
which can significantly boost your final maturity value.
Are SIP returns guaranteed?
No. SIPs invest in market-linked funds, so returns fluctuate and are not guaranteed. The calculator shows an estimate
based on a constant expected return, which real markets won't follow exactly.
Is the SIP calculator free to use?
Yes, this SIP calculator is completely free, needs no sign-up, and gives instant results directly in your browser.
