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.
Results update automatically as you type. Estimates only — returns are not guaranteed.
How the SIP Calculator Works
A SIP calculator projects what a fixed monthly investment could grow into over time, based on an expected rate of return. Enter your monthly amount, expected annual return, and investment period, and it estimates your maturity value alongside how much of that is your own money versus projected returns.
Formula: i = (Expected Return ÷ 100) ÷ 12; N = Years × 12; Maturity Value = M × [((1 + i)^N − 1) ÷ i] × (1 + i)
- M — the fixed amount invested every month
- Expected Return — the annual return rate you expect the investment to earn, entered 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 | ~$118,640 |
| $100 | 12% | 1 yr | ~$1,281 |
| $250 | 15% | 3 yrs | ~$11,425 |
SIP Calculator FAQ
Why is the maturity value higher than what I actually invested?
The gap between what you put in and your maturity value is projected returns — growth on your money assuming it earns your entered rate consistently every month. The longer your period and the higher the return, the bigger that gap becomes.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, which is the standard way SIP maturity values are calculated. This slightly increases the result compared to investing at the end of each month.Are the returns shown here guaranteed?
No. The expected return you enter is just an assumption — actual investment returns fluctuate and are never guaranteed. This calculator only shows what your investment would grow to if that assumed rate held steady the entire period.How does changing the investment period affect the outcome so much?
Compounding needs time to work — a longer period means more months for returns to earn returns on themselves. Doubling your period can more than double your maturity value at higher expected return rates.Can I use this to plan a SIP in any currency?
Yes, the formula doesn’t depend on currency. Enter your monthly amount, expected return, and period in whatever currency you’re investing in, and the maturity value will be shown in that same currency.What’s a realistic expected return to enter?
That depends entirely on what you’re investing in — the calculator doesn’t set or suggest a rate for you. It’s worth testing a few different return assumptions to see how sensitive your projected maturity value is to that number.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.