A Systematic Investment Plan (SIP) is the most popular way to invest in mutual funds in India. Instead of investing a large lump sum, you invest a fixed amount every month. But how much will your SIP grow to? Use our Free SIP Calculator to find out.
Calculate Your SIP Returns
Use our SIP Calculator to instantly see how your monthly investment grows over time.
SIP Formula
M = P × [{(1 + i)^n – 1} / i] × (1 + i)
Where: M = Maturity amount, P = Monthly SIP amount, i = Monthly rate of return (annual rate ÷ 12 ÷ 100), n = Total number of months
SIP Return Examples
| Monthly SIP | Duration | Expected Return (12%) | Total Invested | Maturity Value |
|---|---|---|---|---|
| ₹500 | 10 years | 12% | ₹60,000 | ₹1,16,170 |
| ₹1,000 | 10 years | 12% | ₹1,20,000 | ₹2,32,339 |
| ₹5,000 | 10 years | 12% | ₹6,00,000 | ₹11,61,695 |
| ₹5,000 | 20 years | 12% | ₹12,00,000 | ₹49,95,740 |
| ₹10,000 | 20 years | 12% | ₹24,00,000 | ₹99,91,479 |
| ₹25,000 | 25 years | 12% | ₹75,00,000 | ₹4,69,25,757 |
Power of Starting Early
A ₹5,000 monthly SIP started at age 25 grows to approximately ₹5 crore by age 55 at 12% returns. The same SIP started at age 35 reaches only ₹1 crore by age 55. Starting 10 years early gives you 5× the corpus.
Related Calculators
- SIP Calculator — Calculate SIP maturity value
- Compound Interest Calculator — Calculate compound growth
- Investment Calculator — Plan your investment strategy
- EMI Calculator — Calculate loan repayment