SIP Calculator India — Estimate SIP Returns & Maturity Value
Use this SIP calculator India to estimate maturity value, invested amount, and gains with monthly compounding.
Assumption: monthly compounding.
Timing: Beginning of month (Annuity Due).
Timing: Beginning of month (Annuity Due).
Formula: FV = P × [(1+i)ⁿ − 1] / i × (1+i)
Investment Breakdown
Growth Over Time
Year-by-Year Breakdown
| Year | Invested | Returns | Total Value |
|---|
Frequently Asked Questions
General guidance only. Consider professional advice for personal investing decisions.
What is the formula for a SIP calculator?
SIP calculators typically use a future value of annuity formula with monthly compounding. If SIP is assumed at the
beginning of each month (annuity due): FV = P × [((1+i)ⁿ − 1) / i] × (1+i), where i = annual rate/12 and n = months.
What is the SIP ₹2,000 per month for 20 years?
With an assumed 12% annual return and monthly compounding (beginning-of-month SIP), the estimate is approximately ₹19.98 lakhs. Use: ₹2,000 for 20 years at 12%
How much is ₹5,000 SIP per month for 15 years?
With an assumed <strong>12% annual return</strong> (beginning-of-month SIP), the estimate is approximately ₹25.23 lakhs. Use: ₹5,000 for 15 years at 12%
How to make ₹50 lakhs in 5 years in SIP?
The required SIP depends on the return assumption. At ~12% annual return, you may need roughly ₹60,600/month to target ₹50 lakhs in 5 years (estimate). Try: target-style inputs
What is the 15×15×30 rule?
It’s a popular rule-of-thumb: invest ₹15,000/month for 30 years targeting ~15% annual return. With beginning-of-month SIP, the estimate is around ₹10.53 crores (approx). Try: 15×15×30 inputs
SBI SIP calculator vs this SIP calculator — what’s the difference?
The underlying compounding math is the same. Different tools may assume different timing (begin vs end of month) and rounding.
The real-world result depends on your fund’s performance and costs.
⚠️ Disclaimer: This calculator provides estimates based on a fixed annual return rate with monthly compounding. Actual mutual fund returns vary due to market conditions and fees. This is not investment advice. Consider consulting a SEBI-registered financial advisor.
How to Use This SIP Calculator
- Monthly Investment: Enter the amount you invest every month.
- Expected Annual Return: Use a realistic assumption (many long-term plans model ~10–12% for diversified equity).
- Investment Period: Choose how many years you plan to invest.
- Total Value: Projected final corpus (invested + compounded gains).
If you’re also managing loan repayments, you can estimate payments with our EMI calculator.
📊 How does your expected return compare?
| Fund Category | 10-Year Avg CAGR |
|---|---|
| Large Cap Funds | 11–13% |
| Mid Cap Funds | 14–17% |
| Flexi Cap Funds | 12–15% |
| Index Funds (Nifty 50) | 11–12% |
| ELSS (Tax Saving) | 12–15% |
Source: AMFI India (category-level public data summaries).
Methodology & Assumptions
This calculator uses the standard Future Value of an Annuity Due approach.
- Timing: SIP installment is treated as invested at the beginning of each month.
- Compounding: Compounding is assumed to be monthly.
- Returns: Expected return is assumed constant (real markets fluctuate).
- Fees & taxes: Expense ratios, exit loads, platform fees, and taxes are not deducted.
🔬 How We Calculate (Formula + Worked Example)
Formula (Annuity Due)
FV = P × [((1 + i)^n − 1) / i] × (1 + i) P = monthly SIP amount i = monthly rate = (annual rate / 100) / 12 n = total months = years × 12
Worked example — ₹8,000/month for 15 years at 11%
P = 8,000 annual = 11% → i = 0.11 / 12 ≈ 0.0091667 years = 15 → n = 15×12 = 180 FV ≈ 8,000 × [((1+0.0091667)^180 − 1) / 0.0091667] × (1+0.0091667) FV ≈ ₹36.7 lakhs (approx; rounding differences possible)
Note: examples are for understanding the method. The calculator uses full precision internally.
Real-World Scenarios
Scenario 1 (Conservative — India)
₹8,000/month for 15 years at 11% expected return.
- Total Invested: ₹14,40,000
- Estimated Final Value: ~₹36.7 lakhs
Try it: Open with these inputs
Scenario 2 (Aggressive — USA)
$500/month for 25 years at 14% expected return.
- Total Invested: $150,000
- Estimated Final Value: ~$1.36M
Try it: Open with these inputs
Limitations (What this does NOT account for)
- Market volatility (returns aren’t fixed in real life)
- Expense ratios and loads
- Taxes on gains
- Inflation (results shown are nominal)
Expert Tip
Consider a Step-Up SIP. Increasing your SIP by 5–10% each year can significantly increase your final corpus without a large immediate impact.
India vs USA — Key Differences
- Terminology: SIP (India) vs DCA/automatic investing (USA)
- Tax context: India (ELSS/80C) vs USA (401(k)/IRA, etc.)
- Currency: toggle INR (₹) / USD ($) above