SIP Calculator (Systematic Investment Plan Returns)
Enter your monthly SIP amount, expected return and investment period to see what it could grow to.
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SIP Calculator (Systematic Investment Plan Returns) by TheCalcTools
How the SIP Calculator (Systematic Investment Plan Returns) works
A SIP invests a fixed amount every month. Each instalment compounds for the months left, so the future value is the value of an annuity due: FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), with i the monthly rate (annual return ÷ 12) and n the number of months.
Mutual fund returns are not fixed. Equity funds can fall for years at a time; the return you enter is an assumption, not a promise. The inflation figure shows what the result is worth in today’s prices.
The formula
Worked example
Using the default values shown in the calculator:
| Monthly investment | $10000 |
|---|---|
| Expected annual return | 12 % |
| Investment period (years) | 15 |
| Inflation (for today's value) | 6 % |
- 10,000 a month for 15 years at 12% grows to about $5,045,760.
- You invest $1,800,000; the estimated gain is $3,245,760, worth $2,105,419 in today’s money at 6% inflation.
Result:
| Estimated value | $5,045,760 |
|---|---|
| Total invested | $1,800,000 |
| Estimated gains | $3,245,760 |
| In today's money | $2,105,419 |
| Money multiplied by | 2.80× |
Frequently asked questions
What does 10,000 a month for 15 years become at 12%?
About 50.5 lakh (5.05 million) of which 18 lakh is invested and the rest is growth, if a 12% yearly return were achieved.
Why does my fund app show a different figure?
Apps use actual NAVs and dates (XIRR). This calculator assumes a steady return, which real markets never deliver.
Sources and further reading
- AMFI: Mutual Funds Sahi Hai, systematic investment plans
- SEBI investor education: Mutual funds
- Wikipedia: Systematic investment plan
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This calculator gives estimates for information only. It is not financial advice, and your lender's or provider's figures will govern. Rates, fees and rules vary. See our disclaimer.