Use this free SIP calculator to estimate how much a monthly investment could grow over time. Move the sliders for your monthly amount, the number of years and the return you assume, and see the invested amount, estimated gains and total value update instantly.
How this SIP calculator works
It uses the standard compound-growth formula for a monthly SIP: future value = P × [((1 + i)^n − 1) / i] × (1 + i), where P is your monthly amount, i is the monthly rate (annual return ÷ 12) and n is the number of months. It assumes a constant return and instalments at the start of each month.
Things the calculator cannot tell you
- Returns are not guaranteed. Equity mutual fund returns vary from year to year and can be negative. Use a conservative assumption when planning.
- It ignores costs and tax. Expense ratios and capital gains tax will reduce what you actually keep.
- It ignores inflation. A large future number buys less than it does today.
- It assumes you never miss an instalment. Real investing is messier.
A few examples to try
- Rs 5,000 a month for 10 years at 10%
- Rs 10,000 a month for 15 years at 12%
- Rs 25,000 a month for 20 years at 12%
Then try lowering the return by 2 percentage points to see how sensitive the result is. Small changes in return and time make a big difference.
Next steps
New to SIPs? Read our guide on how to start a SIP in India, learn how to read a mutual fund factsheet, and see the Finostock Toolkit for tools. To invest you will need a demat account or a mutual fund platform account.
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Disclaimer: this calculator is for illustration only. Finostock provides general education only and is not a SEBI-registered investment adviser. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Results are estimates, not predictions or guarantees.
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