SIP Calculator
See what a monthly investment could grow into over time, with the total you contributed and the total gain shown separately.
How to use the SIP Calculator
- Enter your monthly investment amount.
- Enter the expected annual rate of return.
- Set the number of years and compare invested amount against estimated maturity value.
About the SIP Calculator
A systematic investment plan compounds each monthly contribution for however long it stays invested, so early instalments do far more work than later ones — which is why starting a few years sooner usually beats investing a larger amount later. The calculator uses an assumed constant annual return; real markets do not behave that way, so treat the output as a planning scenario rather than a forecast, and try a pessimistic rate as well as an optimistic one.
Please note: this is an educational estimator. It does not account for processing fees, insurance bundling, prepayment penalties, floating-rate resets or local tax rules, so the figure on a real agreement will differ. Use it to compare options, then confirm with your lender or a licensed financial adviser. Full disclaimer.
Frequently asked questions
How is SIP maturity value calculated?
Each monthly instalment is compounded for the months remaining until maturity, then all of them are summed — the future value of an annuity.
What return rate should I assume?
Use a conservative long-term figure and test a range. No calculator can predict market returns.
Does this account for inflation or tax?
No. The result is a nominal figure — subtract expected inflation and any capital gains tax to judge real purchasing power.
Is this the same as a mutual fund SIP calculator?
Yes. A systematic investment plan into a mutual fund compounds each monthly contribution at your expected annual return, which is exactly the projection this runs. It shows the wealth gained separately from the money you actually put in, so you can see how much of the final figure is growth.
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