Investments & Wealth

SIP Calculator

Estimate maturity value, total investment and returns on your monthly SIP

SIP details

₹
%
yrs

Estimated maturity value

₹0

How the SIP calculator works

A Systematic Investment Plan (SIP) invests a fixed amount every month, usually into a mutual fund in India. Each instalment stays invested for a different length of time, so early contributions get more compounding.

Outside India people use the same idea as a monthly investment plan. Enter your currency amounts and an expected annual return to see a simple projection - not a promise of profit.

Maturity value = P × [((1 + r)n − 1) / r] × (1 + r)
P = monthly SIP  •  r = monthly rate  •  n = months

How to use this calculator

  1. Enter how much you can invest every month.
  2. Set an expected annual return. Many long-term equity plans in India are illustrated around 10% to 12%, but you should stay conservative for hard deadlines.
  3. Choose the number of years. Check invested amount versus estimated gains, then try a higher or lower SIP.

Worked example

Example: ₹10,000 a month for 10 years at 12% expected return grows to a much larger maturity value than the cash you put in, because of compounding.

If you invest in US or Canadian dollars monthly, use the same fields. Markets differ, so treat the return rate as a planning assumption only.

When this helps

Useful when you are starting a mutual fund SIP in India, comparing 5 vs 10 vs 15 year goals, or explaining compounding to someone new to investing.

What this does not cover

Fund NAVs move daily. Expense ratios, taxes and exit loads are not modelled here. This is education, not advice to buy any scheme.

Related guide

Read SIP vs lumpsum: which fits a beginner?. Compare monthly investing with a one-time investment before you lock a SIP amount.

Why use it

Detailed features

Instant projection

See maturity value, amount invested and wealth gained in real time.

Custom return rate

Model conservative or aggressive scenarios with any expected return.

Standard SIP formula

Uses the same compound SIP formula used by leading Indian fund platforms.

On the go

Also available in the free Toolance Android app with 60+ tools.

Frequently asked questions

SIP means Systematic Investment Plan. You invest a fixed amount regularly, usually monthly, into a mutual fund. It helps average purchase cost over time instead of timing the market.
Each instalment grows for the remaining months at the assumed annual return. The tool sums future value of all instalments. Actual fund NAV moves daily, so this is a projection.
Long-term equity mutual funds are often illustrated at 10% to 12% for planning, but past performance is not guaranteed. Debt SIPs use lower assumptions. Be conservative for goals with a fixed deadline.
Many investors step up SIP annually with salary hikes. This calculator uses a fixed monthly amount; for step-up SIP use a dedicated step-up tool or add manual scenarios.
No. Mutual funds are subject to market risk. SIP reduces timing risk but does not remove loss in a prolonged downturn.
Lump sum wins if markets rise steadily from day one. SIP spreads entry and suits monthly cash flow. Our lumpsum vs SIP tool compares both with the same inputs.
This is an educational estimate. Pick funds based on goals, risk and advice from a registered adviser. Not a recommendation to buy any scheme.
No. The SIP calculator is free with no login. Try different amounts and tenures as you plan.