SIP Calculator

Plan your monthly investments and see how they can grow over time with the power of compounding.

Your investment details

Monthly investment: ₹3,000

Expected return rate: 12% p.a.

Time period: 20 years

Your projected returns

Total value

12% p.a.

₹29.97 Lakhs

₹29,97,444

after 20 years

Invested amount

₹7.2 Lakhs

₹7,20,000

Estimated returns

₹22.77 Lakhs

₹22,77,444

+316% gain

76%is returns

Invested₹7.2L

Returns₹22.8L

Growth over time

Year-by-year growth

Year	Invested	Returns	Total value
1	₹36,000	₹2,428	₹38,428
2	₹72,000	₹9,730	₹81,730
3	₹1,08,000	₹22,523	₹1,30,523
4	₹1,44,000	₹41,505	₹1,85,505
5	₹1,80,000	₹67,459	₹2,47,459
6	₹2,16,000	₹1,01,271	₹3,17,271
7	₹2,52,000	₹1,43,937	₹3,95,937
8	₹2,88,000	₹1,96,580	₹4,84,580
9	₹3,24,000	₹2,60,465	₹5,84,465
10	₹3,60,000	₹3,37,017	₹6,97,017
11	₹3,96,000	₹4,27,844	₹8,23,844
12	₹4,32,000	₹5,34,757	₹9,66,757
13	₹4,68,000	₹6,59,793	₹11,27,793
14	₹5,04,000	₹8,05,254	₹13,09,254
15	₹5,40,000	₹9,73,728	₹15,13,728
16	₹5,76,000	₹11,68,135	₹17,44,135
17	₹6,12,000	₹13,91,762	₹20,03,762
18	₹6,48,000	₹16,48,318	₹22,96,318
19	₹6,84,000	₹19,41,976	₹26,25,976
20	₹7,20,000	₹22,77,444	₹29,97,444

Frequently asked questions

A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. For example, investing ₹5,000 a month at 12% expected annual returns for 20 years could grow to roughly ₹49,95,740, of which ₹12,00,000 is what you actually put in.

No. SIPs invest in mutual funds, so returns depend on market performance and are not guaranteed. The expected return rate here is just an assumption you can adjust to see different scenarios.

We use the standard SIP future-value formula: each month's investment compounds at your expected monthly rate of return (annual rate divided by 12) until the end of the chosen time period.

Yes, most mutual fund platforms let you increase, decrease, pause, or stop a SIP at any time without penalty. If you expect your income to grow, try the Step-Up SIP calculator to see how gradually increasing your monthly investment can grow your final corpus.

Equity mutual funds in India have historically returned around 10-12% annually over long periods, though this varies by fund and market cycle. It's a good idea to test a few rates (say 10%, 12%, and 14%) to see a realistic range of outcomes rather than relying on a single number.

Popular SIP calculations

Related calculators

This calculator assumes a constant 12% annual return, compounded monthly, applied uniformly across the 20-year period. Actual mutual fund returns fluctuate with the market and are never guaranteed. Use this as a planning estimate, not a promise.

SIP Calculator

Plan your monthly investments and see how they can grow over time with the power of compounding.

Your investment details

Monthly investment: ₹3,000

Expected return rate: 12% p.a.

Time period: 20 years

Your projected returns

Total value

12% p.a.

₹29.97 Lakhs

₹29,97,444

after 20 years

Invested amount

₹7.2 Lakhs

₹7,20,000

Estimated returns

₹22.77 Lakhs

₹22,77,444

+316% gain

76%is returns

Invested₹7.2L

Returns₹22.8L

Growth over time

Year-by-year growth

Year	Invested	Returns	Total value
1	₹36,000	₹2,428	₹38,428
2	₹72,000	₹9,730	₹81,730
3	₹1,08,000	₹22,523	₹1,30,523
4	₹1,44,000	₹41,505	₹1,85,505
5	₹1,80,000	₹67,459	₹2,47,459
6	₹2,16,000	₹1,01,271	₹3,17,271
7	₹2,52,000	₹1,43,937	₹3,95,937
8	₹2,88,000	₹1,96,580	₹4,84,580
9	₹3,24,000	₹2,60,465	₹5,84,465
10	₹3,60,000	₹3,37,017	₹6,97,017
11	₹3,96,000	₹4,27,844	₹8,23,844
12	₹4,32,000	₹5,34,757	₹9,66,757
13	₹4,68,000	₹6,59,793	₹11,27,793
14	₹5,04,000	₹8,05,254	₹13,09,254
15	₹5,40,000	₹9,73,728	₹15,13,728
16	₹5,76,000	₹11,68,135	₹17,44,135
17	₹6,12,000	₹13,91,762	₹20,03,762
18	₹6,48,000	₹16,48,318	₹22,96,318
19	₹6,84,000	₹19,41,976	₹26,25,976
20	₹7,20,000	₹22,77,444	₹29,97,444

Frequently asked questions

No. SIPs invest in mutual funds, so returns depend on market performance and are not guaranteed. The expected return rate here is just an assumption you can adjust to see different scenarios.

We use the standard SIP future-value formula: each month's investment compounds at your expected monthly rate of return (annual rate divided by 12) until the end of the chosen time period.

Popular SIP calculations

Related calculators

SIP Calculator

Frequently asked questions

What is a SIP?

Are SIP returns guaranteed?

How is the maturity value calculated?

Can I change my SIP amount later?

What is a good expected return rate to use?

SIP Calculator

Frequently asked questions

What is a SIP?

Are SIP returns guaranteed?

How is the maturity value calculated?

Can I change my SIP amount later?

What is a good expected return rate to use?