SIP Calculator
Project the maturity value of a monthly systematic investment plan.
Increase your contribution by this much each year.
1,800,000
Total invested
3,245,760
Estimated gain
5,045,760
Maturity value
Year by year
| Year | Invested | Gain | Value |
|---|---|---|---|
| 1 | 120,000 | 8,093 | 128,093 |
| 2 | 240,000 | 32,432 | 272,432 |
| 3 | 360,000 | 75,076 | 435,076 |
| 4 | 480,000 | 138,348 | 618,348 |
| 5 | 600,000 | 224,864 | 824,864 |
| 6 | 720,000 | 337,570 | 1,057,570 |
| 7 | 840,000 | 479,790 | 1,319,790 |
| 8 | 960,000 | 655,266 | 1,615,266 |
| 9 | 1,080,000 | 868,215 | 1,948,215 |
| 10 | 1,200,000 | 1,123,391 | 2,323,391 |
| 11 | 1,320,000 | 1,426,148 | 2,746,148 |
| 12 | 1,440,000 | 1,782,522 | 3,222,522 |
| 13 | 1,560,000 | 2,199,311 | 3,759,311 |
| 14 | 1,680,000 | 2,684,180 | 4,364,180 |
| 15 | 1,800,000 | 3,245,760 | 5,045,760 |
These figures are an illustration based on a constant rate of return. Market-linked investments do not deliver a fixed return, and past performance guarantees nothing.
About SIP Calculator
A systematic investment plan invests a fixed amount on a fixed schedule, which averages your purchase price across market cycles and removes the need to time entry.
This calculator projects the maturity value of your contributions at an assumed annual return, separates the invested amount from the estimated gain, and supports an annual step-up.
How SIP Calculator works in your browser
The projection treats a SIP as an annuity due — each instalment is invested at the start of its month — and compounds it at the monthly equivalent of the annual return you enter. With a step-up, the monthly contribution rises by your chosen percentage at the start of each new year.
The result separates the total amount you put in from the estimated gain, which makes it clear how much of the final value comes from compounding. Returns on market-linked investments are never constant, so treat the output as an illustration of the maths rather than a forecast.
When to use it
- Estimating what a monthly investment could grow to over ten or twenty years.
- Seeing how much an annual step-up in line with salary growth changes the outcome.
- Comparing a higher monthly amount against a longer investing period.
Frequently asked questions
How much will a 5,000 monthly SIP grow to?
That depends on the return and the period. Enter the amount, expected annual return and duration, and the calculator separates what you invested from the projected gain. Market returns vary, so treat it as an illustration.
What formula is used?
The future value of an annuity due: M times ((1+i)^n minus 1) divided by i, times (1+i), where i is the monthly rate.
Are returns guaranteed?
No. Market-linked returns vary, and this projection assumes a constant rate purely for illustration.
What is a step-up SIP?
One where you raise the contribution by a fixed percentage each year, usually in line with income growth. It is supported as an option here.