SIP Future Value Calculator
Calculate how your monthly SIP grows with the power of compounding over time
Configure Your SIP
Continue compounding after SIP stops
Results
Growth Over Time
Investment vs portfolio value year by year
Investment Breakdown
Your money vs returns earned
Year-by-Year Breakdown
Detailed investment growth trajectory
| Year | Invested | Value | Returns | Growth |
|---|---|---|---|---|
| Year 1 | ₹1.20 L | ₹1.28 L | ₹8,093 | 7% |
| Year 2 | ₹2.40 L | ₹2.72 L | ₹32,432 | 14% |
| Year 3 | ₹3.60 L | ₹4.35 L | ₹75,076 | 21% |
| Year 4 | ₹4.80 L | ₹6.18 L | ₹1.38 L | 29% |
| Year 5 | ₹6.00 L | ₹8.25 L | ₹2.25 L | 37% |
| Year 6 | ₹7.20 L | ₹10.58 L | ₹3.38 L | 47% |
| Year 7 | ₹8.40 L | ₹13.20 L | ₹4.80 L | 57% |
| Year 8 | ₹9.60 L | ₹16.15 L | ₹6.55 L | 68% |
| Year 9 | ₹10.80 L | ₹19.48 L | ₹8.68 L | 80% |
| Year 10 | ₹12.00 L | ₹23.23 L | ₹11.23 L | 94% |
| Year 11 | ₹13.20 L | ₹27.46 L | ₹14.26 L | 108% |
| Year 12 | ₹14.40 L | ₹32.23 L | ₹17.83 L | 124% |
| Year 13 | ₹15.60 L | ₹37.59 L | ₹21.99 L | 141% |
| Year 14 | ₹16.80 L | ₹43.64 L | ₹26.84 L | 160% |
| Year 15 | ₹18.00 L | ₹50.46 L | ₹32.46 L | 180% |
| Year 16 | ₹19.20 L | ₹58.14 L | ₹38.94 L | 203% |
| Year 17 | ₹20.40 L | ₹66.79 L | ₹46.39 L | 227% |
| Year 18 | ₹21.60 L | ₹76.54 L | ₹54.94 L | 254% |
| Year 19 | ₹22.80 L | ₹87.53 L | ₹64.73 L | 284% |
| Year 20 | ₹24.00 L | ₹99.91 L | ₹75.91 L | 316% |
Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.
How a SIP builds wealth — the maths behind the monthly instalment
A Systematic Investment Plan invests a fixed amount every month, whatever the market is doing. Two forces do the work: compounding, which grows your returns on returns over the years, and rupee-cost averaging, which buys more units when prices are low and fewer when they are high, smoothing your average cost. The longer the horizon, the more the compounding dominates — which is why time in the market tends to matter more than timing it.
This calculator uses the future-value-of-annuity formula to project what a monthly SIP could grow to for your amount, expected return and tenure, and splits the result into what you invested and what compounding added. Treat the return as an assumption, not a promise: actual mutual fund returns vary with market conditions, so use a conservative rate for planning.
How this calculator works
- 1Enter your monthly SIP amount, an expected annual return and the number of years.
- 2The calculator compounds each instalment for its remaining months using the annuity formula.
- 3It shows the projected corpus, the total you invested, and the estimated gains from compounding.
Frequently asked questions
What rate of return should I use in the SIP calculator?
For equity mutual fund SIPs held 7+ years, 10–12% is a reasonable long-term assumption based on historical Nifty 50 returns; for hybrid funds 8–10%, and for debt 6–8%. Use a lower rate for conservative planning. Actual returns vary year to year and are not guaranteed.
Does the SIP calculator account for inflation?
This calculator shows nominal returns. To see the real, inflation-adjusted purchasing power of your corpus, use the Inflation-Adjusted SIP calculator — for example, a 12% nominal return with 6% inflation is roughly a 5.7% real return.
Is it better to invest monthly through a SIP or all at once?
A SIP reduces timing risk by spreading your entry across market ups and downs, which suits regular monthly savings from income. A lump sum benefits from fuller compounding when you already have the money and markets rise. Many investors do both — a monthly SIP plus occasional lump sums when they have surplus.
What is the SIP formula?
The future value of a SIP uses the annuity formula: FV = P × [((1+r)^n − 1) / r] × (1+r), where P is the monthly amount, r is the monthly rate (annual ÷ 12) and n is the number of months. It captures the compounding of every instalment.
Illustrative only. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns.
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