How to use SIP Calculator
A SIP (Systematic Investment Plan) calculator projects what a regular monthly investment could grow into over time. You commit a fixed amount each month, that money is invested — typically in mutual funds or index funds — and it compounds at an assumed rate of return. This calculator takes your monthly amount, an expected annual return and a time horizon, then shows the total you will have contributed, the estimated gains from compounding, and the projected maturity value. Seeing the split between what you put in and what growth adds makes the long-term power of consistent investing tangible.
- Enter the amount you plan to invest each month.
- Enter the annual return you expect, as a percentage.
- Enter how many years you will keep investing.
- Read the invested amount, estimated returns and maturity value.
- Adjust any input to compare different scenarios.
Your data never leaves your device — 100% private processing.
How SIP returns are calculated
A SIP is mathematically a series of equal payments, so its future value is the future value of an annuity. Each monthly instalment compounds for the number of months remaining until the end of the plan, so the first instalment grows the most and the final one barely at all. This calculator assumes payments are made at the start of each month (an annuity due), meaning every instalment earns a full month of growth. The expected return you enter is an annual figure, which is converted to a monthly rate by dividing by twelve. The key insight is that the gains column grows far faster than the invested column as the years stretch out — a direct result of compounding on a steadily rising balance.
| Years | Invested | Approx. maturity value |
|---|---|---|
| 5 | 300,000 | ~411,000 |
| 10 | 600,000 | ~1,162,000 |
| 20 | 1,200,000 | ~4,995,000 |
Why time matters more than amount
Because compounding accelerates over time, the length of your investing horizon usually has a bigger impact than the size of each instalment. Doubling your monthly amount roughly doubles the maturity value, but doubling the number of years can multiply it several times over, since the early instalments have many more years to grow. That is why starting a SIP even with a modest amount tends to beat starting later with a larger one. Two cautions: the expected return is an assumption, not a guarantee, and real markets deliver uneven yearly returns rather than the smooth average this model uses. Treat the projection as a planning guide, revisit it as your circumstances change, and remember that staying invested through ups and downs is what lets compounding do its work.
Worked examples
10-year plan
Inputs: 5,000/mo · 12% · 10 yrs
Result: Maturity ≈ 1,162,000
Longer horizon
Inputs: 5,000/mo · 12% · 20 yrs
Result: Maturity ≈ 4,995,000
Glossary
- SIP
- Systematic Investment Plan — investing a fixed amount at regular intervals, usually monthly.
- Maturity value
- The projected total value of the investment at the end of the plan.
- Compounding
- Earning returns on both your contributions and previously earned returns.
- Annuity due
- A series of equal payments made at the start of each period.
- Expected return
- The assumed average annual growth rate used to project results.
Related reading
Frequently Asked Questions
Why use SIP Calculator?
- Project maturity value from a monthly amount and expected return
- See how much is your contribution versus compounded growth
- Compare different monthly amounts, rates and durations instantly
- Understand the effect of starting earlier and investing longer
- Runs entirely in your browser with no sign-up
Common use cases
- Plan a monthly mutual-fund or index-fund investment
- Set a target maturity value and back into the monthly amount
- Compare a 10-year versus 20-year investing horizon
- See how a higher monthly contribution changes the outcome
- Illustrate compounding to someone new to investing
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