Calculator
Enter SIP details
Use sliders or type values directly to estimate SIP returns instantly.
₹
₹500₹500000
%
1 %30 %
Years
1 Years40 Years
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Estimate SIP maturity value, invested amount, and potential wealth creation from monthly investments.
Estimate SIP maturity value, invested amount, and potential wealth creation from monthly investments.
Enter the required values, review the live result, then use the breakdown, tables, FAQ, and related calculators to compare scenarios before making a decision.
This calculator runs in your browser and does not require an account, backend storage, or database persistence.
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Use sliders or type values directly to estimate SIP returns instantly.
Breakdown
Compare invested amount and estimated returns over your SIP tenure.
Invested amount
₹12,00,000
52%
Estimated returns
₹11,23,391
48%
Estimated year-by-year investment growth based on your inputs.
| Year | Months | Invested Amount | Estimated Returns | Future Value |
|---|---|---|---|---|
| 1 | 12 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| 2 | 24 | ₹2,40,000 | ₹32,432 | ₹2,72,432 |
| 3 | 36 | ₹3,60,000 | ₹75,076 | ₹4,35,076 |
| 4 | 48 | ₹4,80,000 | ₹1,38,348 | ₹6,18,348 |
| 5 | 60 | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 |
| 6 | 72 | ₹7,20,000 | ₹3,37,570 | ₹10,57,570 |
| 7 | 84 | ₹8,40,000 | ₹4,79,790 | ₹13,19,790 |
| 8 | 96 | ₹9,60,000 | ₹6,55,266 | ₹16,15,266 |
| 9 | 108 | ₹10,80,000 | ₹8,68,215 | ₹19,48,215 |
| 10 | 120 | ₹12,00,000 | ₹11,23,391 | ₹23,23,391 |
Formula
SIP future value is estimated using monthly investment, monthly expected return, and number of installments.
Standard SIP formula
FV = P x (((1 + r)^n - 1) / r) x (1 + r)
In this formula, P is the monthly investment, r is the monthly expected return, and n is the total number of monthly SIP installments.
The expected annual return is divided by 12 and converted into a monthly decimal rate. The result is an estimate, not a guaranteed return.
Guide
Plan monthly investing goals and understand how tenure and expected return can affect long-term wealth.
Enter the amount you plan to invest every month through SIP.
Use a reasonable annual return assumption for planning, knowing that actual market returns can vary.
Compare years and months to see how time can influence compounding and future value.
FAQ
Clear answers for common SIP return calculation questions.
Related tools
Compare SIP planning with loan repayment and other browser-based finance calculators.