SIP Calculator
Estimate the future value of your Systematic Investment Plan (SIP) and see the power of compounding.
Your inputs
Your estimate
Invested
₹6,00,000
Returns
₹5,61,695
Total Future Value
₹11,61,695
Estimates use your inputs and assumed returns. Actual returns vary and are not guaranteed.
Quick answer
A SIP calculator estimates the future value of a fixed monthly investment. At an assumed 12% a year, ₹10,000 a month for 15 years grows to about ₹50.46 lakh on ₹18 lakh invested.
About the SIP Calculator
SIP calculators help investors estimate the future value of their investments. By entering monthly investment, expected returns, and time period, you can understand how your money grows over time.
At Smart SIP with Vikas, we help you go beyond calculations by offering personalized investment strategies tailored to your goals.
What is the formula?
FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i), where P is the monthly SIP, i is the monthly return (annual rate ÷ 12) and n is the number of months.
Worked example
₹5,000 a month at an assumed 12% a year grows to about ₹11.62 lakh in 10 years, ₹25.23 lakh in 15 years and ₹49.96 lakh in 20 years.
Frequently asked questions
What is a SIP?
SIP stands for Systematic Investment Plan — a method where you invest a fixed amount in mutual funds at regular intervals.
How are SIP returns calculated?
Using the Future Value of an Annuity formula, considering regular monthly contributions and compound growth.
Can I change my SIP amount later?
Yes, most mutual funds allow you to increase (Step-up), decrease, or pause your SIP as needed.
Related guides
Reviewed by Vikas Gupta, AMFI-registered Mutual Fund Distributor (ARN-178652). Last updated . Mutual fund investments are subject to market risks, read all scheme related documents carefully. Mutual fund distribution by Korlipara Vikas Gupta, AMFI-registered Mutual Fund Distributor, ARN-178652. Distributors earn commission from fund houses on regular plans. Content and calculators on this site are for education, not personalised investment advice. Illustrations use assumed returns, which are not guaranteed.