SIP Calculator
Free SIP calculator to estimate maturity value, total invested and wealth gained from monthly investments.
Estimates only — not professional financial, medical, legal or engineering advice. Read full disclaimer.
Result
Fill in the form and click Calculate to see your result here.
How it's calculated
This SIP calculator uses the standard annuity-due future value formula for monthly installments invested at the beginning of each period. Wealth gained is maturity value minus total amount invested.
FV = P × [((1 + r)^n − 1) / r] × (1 + r); Wealth Gained = FV − (P × n)
Example
Example: SIP Calculator
Inputs
- Monthly Investment: 5000
- Expected Annual Return: 12
- Investment Period Years: 10
Outputs
- Maturity Value: 1161695.38
- Total Invested: 600000
- Wealth Gained: 561695.38
Example: invest 5,000 every month for 10 years at 12% expected annual return. Total invested = 600,000. Estimated maturity ≈ 1,161,695 and wealth gained ≈ 561,695 (illustrative; returns are not guaranteed).
About this calculator
Use this free SIP calculator to estimate the future value of a Systematic Investment Plan. Enter your monthly investment, expected annual return, and tenure to see maturity value, total invested, and wealth gained in seconds—ideal for goal planning in India, Nepal, and other markets that use monthly SIPs.
How to use this SIP return calculator
- Enter your monthly investment (for example 5,000).
- Enter the expected annual return (%) based on your fund type and risk profile.
- Enter the investment period in years.
- Click Calculate to view maturity value, total invested, and wealth gained.
SIP maturity calculator: worked example
Suppose you invest 5,000 every month for 10 years with an expected return of 12% per year:
- Total invested = 5,000 × 120 months = 600,000
- Estimated maturity value ≈ 1,161,695
- Estimated wealth gained ≈ 561,695
These figures are illustrative only. Actual SIP returns depend on market performance, expense ratios, taxes, and when units are purchased.
Another scenario: 10,000 per month for 15 years at 12%
- Total invested = 1,800,000
- Estimated maturity ≈ 5,045,760
- Estimated wealth gained ≈ 3,245,760
Longer tenure usually amplifies compounding more than a short burst of higher contributions.
SIP vs lump sum
A monthly SIP calculator models recurring contributions. A lump-sum investment compounds a single amount for the full period. SIPs help with discipline and rupee-cost averaging; lump sum may outperform if markets rise soon after you invest. Compare both with this tool and the compound interest calculator.
Tips to get more from your SIP
- Match tenure to the goal (education, home, retirement)—avoid redeeming early unless needed.
- Increase the monthly amount when income rises (a simple step-up approach).
- Use conservative return assumptions for planning; treat aggressive rates as upside cases only.
- Review asset allocation yearly; do not react to every short-term market move.
Related finance calculators
Plan the full picture with the EMI calculator, compound interest calculator, and ROI calculator. For a beginner-friendly walkthrough, read our guide on SIP and compound interest.
Disclaimer: This systematic investment plan calculator is for educational and planning purposes only. It is not investment advice. Consult a qualified advisor for personal financial decisions.