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Finance Calculators

SIP Calculator

Estimate the maturity value of your monthly SIP mutual-fund investments.

Verified formula Updated Jun 2026 Private — runs on your device

Enter details
₹
%
10 years
1 years40 years
Verified formula Private

Maturity value

₹11,61,695

Total invested
₹6,00,000
Estimated returns
₹5,61,695
YearInvestedValue
1₹60,000₹64,047
2₹1,20,000₹1,36,216
3₹1,80,000₹2,17,538
4₹2,40,000₹3,09,174
5₹3,00,000₹4,12,432
6₹3,60,000₹5,28,785
7₹4,20,000₹6,59,895
8₹4,80,000₹8,07,633
9₹5,40,000₹9,74,108
10₹6,00,000₹11,61,695
View chart data
investedvalue
16000064046.64
2120000136216
3180000217538.24
4240000309174.17
5300000412431.83
6360000528785.15
7420000659894.99
8480000807632.83
9540000974107.53
106000001161695.38

For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.

How to use the SIP Calculator

The SIP Calculator works out your maturity value, along with 2 related figures in an instant. Enter monthly investment, expected return (p.a.) and time period and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.

  1. Enter the monthly investment.
  2. Enter the expected return (p.a.).
  3. Set the time period.
  4. Read off your maturity value, together with total invested and estimated returns — the calculator updates automatically, with no button to press.

Worked example

For example, with monthly investment of ₹5,000, expected return (p.a.) of 12% and time period of 10 years, the maturity value is ₹11,61,695.

Inputs used
Monthly investment ₹5,000
Expected return (p.a.) 12%
Time period 10 years
Results
Maturity value ₹11,61,695
Total invested ₹6,00,000
Estimated returns ₹5,61,695

Results are estimates for educational use, not professional advice.

Key terms explained

Maturity
The point at which an investment or deposit ends and its full value becomes payable.
SIP
Systematic Investment Plan — investing a fixed amount at regular intervals, typically monthly.

Frequently asked questions

A Systematic Investment Plan lets you invest a fixed amount in mutual funds at regular intervals.

Using the future value of a series: P × ((1+r)^n − 1)/r × (1+r), where r is the monthly rate and n the number of months.

No. Returns depend on market performance; this tool gives an estimate based on an assumed rate.

Enter the monthly investment. Enter the expected return (p.a.). Set the time period. Read off your maturity value, together with total invested and estimated returns — the calculator updates automatically, with no button to press.

What Is a Good Savings Rate?

A widely used benchmark is to save at least 20% of your income, as in the 50/30/20 budget. Saving 20% or more is good, 10–20% is a solid start, and below 10% leaves little buffer. Higher savers reach financial goals — and early retirement — much faster.

1 min read

SIP Investing in India: The Complete Beginner's Guide

Everything you need to start a Systematic Investment Plan — how SIPs work, choosing your monthly amount, step-up SIPs, SIP versus lumpsum, taxation and the mistakes to avoid — with worked examples.

4 min read

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