SipPlan calculator · clean planning flow
Modern SIP Calculator
Estimate how your monthly SIP may grow over time, then move naturally into Fund Finder, real fund simulation, or comparison pages before deciding.
Monthly SIP
Maturity value
Year-wise table
Next-step tools
Monthly SIP
₹5,000
Time period
20 Years
Expected return
12%
Future value
₹49.96L
Calculator inputs
Enter your SIP details
Use the sliders or type values directly. This is an estimate, not a guaranteed return.
₹5,000
12%
20 Years
SIP results
Your estimated SIP result
See total investment, estimated returns, and future value based on your inputs.
Total future value
₹49.96L
Total invested
₹12.00L
Estimated returns
₹37.96L
Monthly SIP
₹5,000
Invested amount
₹12.00L
Estimated returns
₹37.96L
This calculator shows estimated values based on fixed monthly investment and assumed annual return. Actual mutual fund returns can vary.
Find funds after calculation
Once you know your possible SIP value, explore funds based on your goal instead of searching random names.
Open Fund FinderCompare before deciding
Not sure whether SIP, FD, RD or lumpsum fits you better? Use comparison pages before choosing.
Compare OptionsSimulate with real fund
Generic SIP estimates are useful, but real fund NAV movement gives a more practical historical view.
Start from Fund Finder| Year | Total invested | Estimated value | Estimated returns |
|---|---|---|---|
| 1 | ₹60,000 | ₹64,047 | ₹4,047 |
| 2 | ₹1.20L | ₹1.36L | ₹16,216 |
| 3 | ₹1.80L | ₹2.18L | ₹37,538 |
| 4 | ₹2.40L | ₹3.09L | ₹69,174 |
| 5 | ₹3.00L | ₹4.12L | ₹1.12L |
| 6 | ₹3.60L | ₹5.29L | ₹1.69L |
| 7 | ₹4.20L | ₹6.60L | ₹2.40L |
| 8 | ₹4.80L | ₹8.08L | ₹3.28L |
| 9 | ₹5.40L | ₹9.74L | ₹4.34L |
| 10 | ₹6.00L | ₹11.62L | ₹5.62L |
| 11 | ₹6.60L | ₹13.73L | ₹7.13L |
| 12 | ₹7.20L | ₹16.11L | ₹8.91L |
| 13 | ₹7.80L | ₹18.80L | ₹11.00L |
| 14 | ₹8.40L | ₹21.82L | ₹13.42L |
| 15 | ₹9.00L | ₹25.23L | ₹16.23L |
| 16 | ₹9.60L | ₹29.07L | ₹19.47L |
| 17 | ₹10.20L | ₹33.40L | ₹23.20L |
| 18 | ₹10.80L | ₹38.27L | ₹27.47L |
| 19 | ₹11.40L | ₹43.77L | ₹32.37L |
| 20 | ₹12.00L | ₹49.96L | ₹37.96L |
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Updated on April 26, 2026: This SIP Calculator guide has been redesigned with cleaner spacing, better explanation blocks, internal links, external resources, tables, FAQs, and a smoother SipPlan planning flow.
SIP planning basics
What is the SIP Calculator?
The SIP Calculator helps you estimate how your monthly investment may grow over time. You can enter your SIP amount, expected annual return, and investment period to see estimated future value, total invested amount, and estimated returns.
Simple takeaway: Use this calculator to understand the possible maturity value first. Then use Fund Finder and comparison pages to make a better investment decision.
Best use
Use it before choosing funds
A calculator cannot choose the best fund for you, but it can show whether your monthly SIP is enough for your target. Once the number is clear, fund selection becomes more practical.
- Estimate long-term SIP value
- Test different return assumptions
- Understand total investment vs returns
How it works
How the SIP Calculator works
The SIP Calculator uses three inputs: monthly SIP amount, expected annual return, and investment period. It estimates how each monthly installment may grow through compounding.
| Input | What it means | Investor note |
|---|---|---|
| Monthly SIP amount | The amount you plan to invest every month. | Start with an amount you can continue comfortably. |
| Expected annual return | The return assumption used for calculation. | This is not a guaranteed return. |
| Investment period | The number of years you plan to continue the SIP. | Longer time usually gives compounding more room. |
Planning note: Try conservative, moderate, and optimistic return assumptions instead of depending on only one number.
Example
Example: ₹5,000 monthly SIP
If you invest ₹5,000 every month for 10 years, your total investment becomes ₹6,00,000. The final maturity value depends on the return earned by the fund.
You can read the detailed guide on ₹5,000 SIP returns in 10 years for a year-wise example.
Formula meaning
SIP calculation in simple words
Every monthly SIP installment gets invested for a different period. The first installment stays invested the longest, while the last installment stays invested for the shortest time. That is why SIP calculations use a monthly compounding method.
SipPlan workflow
What to do after calculating SIP value
- Use the SIP Calculator to estimate possible future value.
- Open Fund Finder to explore funds by goal and risk level.
- Use the Fund SIP Simulator to understand historical SIP movement in a selected fund.
- Use the Compare page if you are unsure between SIP, FD, RD, or lumpsum investing.
Better workflow: Do not start with “which fund gives highest return?” Start with your goal, calculate the required SIP, compare options, and then shortlist funds.
Fund Finder
Shortlist funds by goal instead of searching random fund names. Open Fund Finder
Fund SIP Simulator
Check how a selected fund behaved historically with SIP. Open Simulator
Compare Options
Compare SIP, FD, RD, and lumpsum before deciding. Open Compare
Mistakes to avoid
Common mistakes while using a SIP Calculator
- Using only one return assumption and ignoring lower-return scenarios.
- Treating estimated returns as guaranteed returns.
- Ignoring investment period and stopping too early.
- Choosing a fund only after seeing a big maturity value.
External resources
Useful investor education resources
For official mutual fund and investor education information, you can also visit AMFI and the SEBI Investor Education portal.
FAQ
SIP Calculator FAQs
What is a SIP Calculator?
A SIP Calculator estimates the future value of monthly SIP investments based on your SIP amount, expected return, and investment period.
Is SIP Calculator return guaranteed?
No. The result is only an estimate. Actual mutual fund returns can vary because they depend on market and fund performance.
What should I do after calculating SIP value?
After calculating, use Fund Finder, compare investment options, and check whether the fund or category suits your goal.
Disclaimer: This calculator and article are for educational purposes only and are not financial advice. Mutual fund investments are subject to market risks.
Next step
Now turn the number into a plan.