SIP Calculator
How much will your monthly SIP grow to? Enter the amount, how many years you'll keep investing, and your expected annual return. See the future value, year-by-year growth, and the math behind it. No sign-up, no ads.
Year-by-year breakdown
Where you stand at the end of each year.
| Year | Invested | Portfolio value | Profit |
|---|---|---|---|
| Y1 | ₹60.0k | ₹64.0k | +₹4.0k |
| Y2 | ₹1.20 L | ₹1.36 L | +₹16.2k |
| Y3 | ₹1.80 L | ₹2.18 L | +₹37.5k |
| Y4 | ₹2.40 L | ₹3.09 L | +₹69.2k |
| Y5 | ₹3.00 L | ₹4.12 L | +₹1.12 L |
| Y6 | ₹3.60 L | ₹5.29 L | +₹1.69 L |
| Y7 | ₹4.20 L | ₹6.60 L | +₹2.40 L |
| Y8 | ₹4.80 L | ₹8.08 L | +₹3.28 L |
| Y9 | ₹5.40 L | ₹9.74 L | +₹4.34 L |
| Y10 | ₹6.00 L | ₹11.62 L | +₹5.62 L |
Calculations assume the expected return compounds monthly and that each SIP installment is invested at the start of the month. Actual returns vary — equity mutual funds swing with the market. MF Gyan does not guarantee any particular rate; this is a pure-math projection.
How to read this calculator
The SIP calculator does one thing well: it projects what a fixed monthly investment grows to if a given return is earned every year. Real markets don't behave that way — equity returns are lumpy, with +40% years and −25% years. But over 10+ year windows, the average return typically dominates, and this projection is a useful proxy for the destination.
What changes when you change the inputs — a ₹5,000 monthly SIP for 20 years at 12% ends at about ₹49 lakh. Push the rate to 14%, and it climbs to ₹65 lakh. Add 5 more years, and 12% gets you to ₹95 lakh. The two biggest levers are how long you stay invested and how early you start — not the monthly amount. Compounding needs time.
The math, briefly
Each monthly installment of ₹P compounds at the monthly rate i (annual rate ÷ 12) for the remaining number of months. Summed over n installments:
FV = P × [(1 + i)ⁿ − 1] / i × (1 + i)
That's the standard formula for SIP at the start of each month. The calculator uses it directly and presents the year-end balance at each step so you can see the exponential curve bend upward in the later years — classic compounding.
Frequently asked
What is a SIP in mutual funds?+
A SIP (Systematic Investment Plan) is a way to invest a fixed amount in a mutual fund every month on a set date. Instead of one large lump sum, your money is invested in smaller, regular installments — which averages out your purchase price across market ups and downs (rupee-cost averaging).
How does the SIP calculator work?+
The calculator uses the standard SIP future-value formula. Your monthly amount is assumed to be invested at the start of each month and compounds at the expected annual rate. Future value = P × [(1+i)ⁿ − 1] / i × (1+i), where P is the monthly amount, i is the monthly rate (annual rate ÷ 12), and n is the total number of months.
What is a reasonable expected return for a SIP calculator?+
Historically, Indian equity mutual funds have delivered roughly 10–14% CAGR over long periods, though individual years vary wildly (−30% to +50%). For long-term equity SIPs, 10–12% is a common conservative assumption; for debt SIPs, 6–8%; for hybrid, 8–10%. Lower your assumption if you want to plan conservatively.
Is the SIP calculator's answer guaranteed?+
No — this is a pure mathematical projection at a fixed rate. Real markets don't deliver the same return every year; equity returns are lumpy. The calculator shows what happens IF the assumed rate held every year. Use it to compare options and understand compounding, not to predict your exact final balance.
How much should I SIP to reach ₹1 crore?+
At 12% expected return, reaching ₹1 crore takes roughly: ₹28,000/month for 10 years, ₹14,500/month for 15 years, ₹8,500/month for 20 years, or ₹5,100/month for 25 years. Starting earlier reduces the monthly amount dramatically — that's the power of compounding over time.
What's the difference between SIP and lump sum?+
SIP spreads your investment over time; lump sum invests everything up front. Lump sum beats SIP when markets go up steadily (which they do 60–70% of the time historically). SIP wins in volatile or falling markets because it buys more units when prices are low. Most retail investors prefer SIP because it removes the psychological pressure of timing the market.
Can I pause or stop my SIP?+
Yes. You can stop a SIP any time through the AMC or your investing app — there is no lock-in on the SIP itself (though units in ELSS funds are locked for 3 years from each purchase). Many AMCs also allow a 1–6 month pause without cancelling the SIP.
Does the calculator account for inflation or tax?+
No, this calculator shows nominal returns only — not inflation-adjusted. For equity funds, long-term capital gains above ₹1.25 lakh per year are taxed at 12.5% after one year. For debt funds (purchased after April 2023), gains are taxed at your income-slab rate. For a quick inflation adjustment: subtract 5–6% from the expected return to get a rough real-return projection.