SIP Calculator

Enter a monthly investment amount, an expected return rate, and how long you'll keep investing to see what it could grow into.

₹
%
Yr
Invested Amount
₹500
Est. Returns
₹0
Total Value
₹500

Nothing you type here is sent to a server or saved — every number above is calculated by your browser, on your device.

What This Calculator Actually Tells You

Say you've just started your first job, or you've decided this is the year you stop leaving money in a savings account earning next to nothing. You can commit to putting away a fixed amount every month, and you want to know what that habit could actually turn into ten or twenty years from now.

That's what this tool works out. Enter a monthly amount, an expected annual return, and how many years you'll keep it up, and it projects the maturity value using compound interest applied every month — the same mechanics behind a mutual fund SIP's long-term growth chart.

It won't tell you which fund to pick or promise that 12% is realistic for your particular investment (more on that below). What it does is turn "I'll invest ₹2,000 a month" into an actual rupee figure, so the habit has a number attached to it.

Illustrative bar chart comparing invested amount against total compounding value at year 5, 10, 15, and 20 of a monthly SIP
Illustrative graphic — SIP Growth Over Time.

How the Math Works

Unlike a lump sum, a SIP doesn't get invested all on day one — a fixed amount goes in every month, and each individual deposit compounds for however long is left until the end of the term. The formula behind it is:

M = P × ({[1 + i]n – 1} / i) × (1 + i)

  • M — Maturity amount, what you end up with
  • P — Your fixed monthly investment
  • n — Total number of monthly deposits (years × 12)
  • i — Monthly rate of return (annual rate ÷ 12)
Month 1 Month 60 Month 120 Month 180 Month 240 ×10.78 ×6.0 ×3.3 ×1.82 ×1.0 Growth

Each bar shows how much a single month's ₹1 contribution grows by year 20 of a 20-year, 12% SIP, depending on which month it went in. The very first deposit gets the full 20 years to compound; the very last one barely gets any time at all — which is why the total months you stay invested usually matters more than squeezing out a slightly higher return.

Here's the same idea with real numbers. Say you invest ₹1,000 every month for 12 months at an expected annual return of 12%. First, convert that to a monthly rate:

Monthly rate (i) = 12% ÷ 12 = 1% = 0.01

Step by step:

M = 1,000 × (( (1 + 0.01)12 − 1 ) / 0.01 ) × (1 + 0.01)

M = 1,000 × 12.6825 × 1.01

M ≈ ₹12,809

Over just one year the gap between what you put in (₹12,000) and what you end up with (₹12,809) looks small — around ₹809. That's normal. Compounding is slow at the start and only starts looking dramatic once you let it run for a decade or more, which is exactly what the scenarios below show.

For a smaller, longer example: ₹2,000 a month for 5 years at 10% grows to roughly ₹1,56,165 against ₹1,20,000 invested — about ₹36,165 in returns. Still modest, but note it took 5 years instead of 1 to get there, not just a bigger monthly number.

Keep in mind SIP returns aren't fixed — they depend entirely on how the underlying fund performs, and the actual number can land above or below anything shown here.

A Few More Growth Scenarios

Same formula, different inputs. These numbers match exactly what the calculator above would show if you entered the same figures.

Monthly SIP Return Rate Duration Total Invested Approx. Maturity Value
₹1,00010%10 years₹1,20,000₹2,06,552
₹2,00012%15 years₹3,60,000₹10,09,152
₹5,00012%20 years₹12,00,000₹49,95,740
₹10,00012%20 years₹24,00,000₹99,91,479
₹15,00014%25 years₹45,00,000₹4.09 crore

These are illustrative projections at assumed rates, not promised returns. Actual investments can underperform or outperform any of the rates shown here.

SIP or Lump Sum — An Honest Comparison

Run the numbers on ₹1,000 a month for 10 years against a ₹1,20,000 lump sum invested on day one, both at 12%, and the lump sum comes out ahead — by a wide margin. That's not a knock against SIPs; it's just what happens when the entire amount gets a full 10-year head start instead of building up gradually. The SIP's last few deposits barely have any time to grow at all.

Criteria SIP (₹1,000/month) Lump Sum (₹1,20,000 one-time)
Duration10 years (120 months)10 years
Total invested₹1,20,000₹1,20,000
Expected return12% (compounded monthly)12% (compounded annually)
Approx. maturity value₹2,32,339₹3,72,702
Approx. returns₹1,12,339₹2,52,702
Market timing riskLower — spread across 120 entry pointsHigher — one entry point for the full amount
Realistic forSomeone investing out of a monthly salarySomeone with ₹1,20,000 already sitting idle
Try it You're already here Open the Lump Sum Calculator

The honest takeaway isn't "lump sum wins" — it's that this comparison only holds if you actually have ₹1,20,000 sitting idle today. Most people don't, which is the entire reason SIPs exist: they let you get the same 12% working for you using money you haven't earned yet.

Illustrative bar chart showing the monthly SIP amount needed to reach 1 crore rupees at 12 percent annual return across 15, 20, 25, and 30 year horizons
Illustrative graphic — Start Early, Invest Less.

Why Starting Early Matters More Than Starting Big

Here's a comparison worth sitting with: to reach ₹1 crore at 12% annual returns, you'd need to invest roughly ₹19,819 a month if you only have 15 years left, but just ₹2,833 a month if you have 30 years. That's a nearly 7x difference in monthly commitment for the same destination — purely because of how many years compounding had to work.

Years to Invest Monthly SIP Needed for ₹1 Crore @ 12%
30 years≈ ₹2,833
25 years≈ ₹5,270
20 years≈ ₹10,009
15 years≈ ₹19,819

A 25-year-old and a 35-year-old chasing the same retirement number aren't playing the same game — the 25-year-old's decade head start does more work than most people expect. If retirement is the goal, run this calculator with your actual timeline before deciding the monthly number feels "too small" to bother with.

Mistakes Worth Avoiding With a SIP

The math is simple; sticking to it isn't. These are the slip-ups that quietly cost the most over time:

Mistake Why it hurts A steadier approach
Pausing the SIP when the market drops You skip buying at lower prices, which is exactly when SIPs are supposed to help most Keep the SIP running through downturns unless your income situation genuinely changed
Never increasing the monthly amount Your SIP stays flat while your income (hopefully) rises, so it becomes a smaller part of your finances over time Step up the amount by 5–10% each year as your salary grows
Ignoring an ELSS fund's 3-year lock-in You can't withdraw a given month's ELSS contribution until 3 years after that specific deposit Only put ELSS money toward goals at least 3-plus years out
Picking a duration that doesn't match the actual goal You either exit too early and miss compounding, or plan for a goal that arrives sooner than the fund is ready Set the time period field to match your real goal date, not a round number
Choosing a fund based on last year's best return Last year's top performer is rarely next year's, and the rate you plug in becomes unrealistic Use a longer-run average return, and test the calculator at a lower rate too

How to Use This Calculator

Three fields, one result:

  • Enter your monthly SIP amount
  • Set an expected annual return rate
  • Choose how many years you'll keep investing

The results update instantly as you type or drag the sliders, and the chart below switches between a bar and line view so you can see the year-by-year climb, not just the final number.

Frequently Asked Questions

No. It's a projection based on the return rate you enter, not a promise. Real mutual fund returns move up and down with the market, so treat the output as one possible outcome, not a guaranteed number.

Yes. The underlying math is generic compound interest applied monthly, so it works for ELSS, equity, hybrid, or debt fund SIPs — you just need a reasonable expected return rate for whichever you're modeling.

No, not automatically. If you want an inflation-adjusted picture, subtract your expected inflation rate from the return rate before entering it — for example, use 7% instead of 12% if you're assuming 5% inflation.

Most Indian mutual fund houses allow SIPs starting from ₹500 a month, though the exact minimum depends on the specific fund.

Not directly in one pass. Run the calculator year by year with a higher monthly amount each time, then add the resulting totals together to approximate a step-up SIP.

It's built for market-linked SIPs, so it's a rough fit at best for NPS or PPF, both of which compound differently and have government-set rates that change periodically.

Yes, completely. No account, no email, no paywall.

Yes, the layout and chart both resize for phone and tablet screens.

No. Every calculation runs locally in your browser using JavaScript — nothing you type is sent to our servers or saved anywhere.

Not yet — there's no built-in export. A screenshot or a quick copy-paste of the numbers works in the meantime.

Start of the month (an annuity-due calculation). That's why the formula multiplies by (1 + i) at the end — it gives that final month's deposit one extra period to grow, matching how most SIPs are actually debited.

The calculator assumes every month goes in on schedule, so a missed month means your real corpus will land a little below the projection. One missed month rarely matters much; missing many in a row will.
About this calculator: built and maintained by the RunCodeDev team. Every worked example on this page is checked by hand against the SIP compound interest formula (M = P × {[1 + i]n − 1} / i × (1 + i)) — you're welcome to verify any of the numbers yourself.
Last updated: 7 July 2026 ·
Not financial advice: this calculator is an educational tool. It shows what a return rate you choose would do to a monthly investment over time — it doesn't recommend a rate, a fund, or a strategy for you specifically. For an actual investment plan, it's worth talking to a SEBI-registered financial advisor who can look at your complete financial picture.

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