See what a fixed monthly investment could grow to. Enter the monthly amount, expected return and number of years to get the maturity value of a Systematic Investment Plan, split into total invested and estimated returns.
Results update automatically as you type. Estimates only — returns are not guaranteed.
What Does a SIP of 5000 per Month for 10 Years Become?
At a steady 12% expected annual return, a SIP of ₹5,000 per month for 10 years grows to about ₹11,61,695. You put in ₹6,00,000 over 120 months, so around ₹5,61,695 is projected growth. At a 10% return, the same plan reaches about ₹10,32,760.
| ₹5,000 a month for | Total invested | Value at 12% |
|---|---|---|
| 5 years | ₹3,00,000 | ≈ ₹4,12,432 |
| 10 years | ₹6,00,000 | ≈ ₹11,61,695 |
| 15 years | ₹9,00,000 | ≈ ₹25,22,880 |
| 20 years | ₹12,00,000 | ≈ ₹49,95,740 |
SIP Calculation Formula With Example
Each payment is treated as invested at the start of the month and compounded monthly at your expected rate.
Formula: i = (Expected Return ÷ 100) ÷ 12; N = Years × 12; Maturity Value = M × [((1 + i)^N − 1) ÷ i] × (1 + i)
- Monthly rate: 12 ÷ 100 ÷ 12 = 0.01.
- Months: 10 × 12 = 120.
- Growth factor: (1.01120 − 1) ÷ 0.01 × 1.01 = 232.339.
- Maturity value: 5,000 × 232.339 = 11,61,695.
- M: the fixed amount invested every month
- Expected Return: the annual return you expect, as a percentage
- Period: the number of years you’ll keep investing monthly
Example Scenarios
| Monthly Investment | Expected Return | Period | Maturity Value |
|---|---|---|---|
| $500 | 12% | 10 yrs | ~$116,170 |
| $1,000 | 10% | 5 yrs | ~$78,080 |
| $200 | 8% | 20 yrs | ~$118,589 |
| $100 | 12% | 1 yr | ~$1,281 |
| $250 | 15% | 3 yrs | ~$11,420 |
A SIP of 10000 per month for 20 years at 12% comes to about ₹99,91,479, which is also roughly how much SIP for 1 crore in 20 years. For 1 crore in 15 years you would need about ₹19,819 a month at the same rate.
How to Calculate SIP Returns You Can Trust
Treat the result as a projection, because it assumes the same return every month while market-linked funds move up and down.
- Test a lower and a higher return rate to see the range.
- Subtract costs. Fund expense ratios and any exit loads reduce the return you actually earn.
- Consider tax on gains, which depends on your country and the type of fund.
- Allow for inflation, which shrinks what a future sum buys.
Because returns compound, a few extra years can add more than a small rise in the monthly amount. A step-up plan, where you raise the contribution each year, is not modelled by this SIP calculator, so steady savers may end up with more. Regular fixed investing is a form of dollar cost averaging, explained on Wikipedia. Not investment advice.
Common questions about SIP returns
What will a SIP of 5000 per month for 10 years give?
At a steady 12% expected annual return, it grows to about ₹11,61,695. You invest ₹6,00,000, so roughly ₹5,61,695 is projected returns. At 10% the figure is about ₹10,32,760.How much SIP is needed for 1 crore in 15 years?
At a 12% expected return, about ₹19,819 a month reaches ₹1 crore in 15 years. A lower return would need a bigger monthly amount.How do you calculate SIP returns?
Convert the annual rate to a monthly rate (i), count the months (N), then use M × [((1 + i)^N − 1) ÷ i] × (1 + i). Subtract the total invested from that maturity value to get the returns.Does this calculator assume I invest at the start or end of each month?
It assumes each monthly investment is made at the start of the period, the standard way SIP maturity values are worked out. This gives a slightly higher result than investing at the end of each month.Are the returns shown here guaranteed?
No. The expected return you enter is an assumption, and actual market returns move up and down. The result only shows what the money would grow to if that rate held every month.Can I use this to plan a SIP in any currency?
Yes. The formula doesn’t depend on currency, so enter rupees, dollars or anything else and the maturity value comes back in the same currency.Related Calculators
Investing a lump sum instead of a monthly amount? The tool to project growth on a one-time investment is a better fit. You can also model compound interest with added contributions for a more detailed view, or check how your monthly investing fits into a broader retirement savings plan.