SIP Return Calculator

Work out sip return instantly with clear inputs, formula shown and shareable results.

About SIP Return Calculator

A systematic investment plan invests a fixed sum each month, so each instalment compounds for a different length of time. Treating the stream as an annuity due gives the maturity value, and the gap over the amount invested is the compounding effect.

Formula

SIP maturity

FV = P × [((1+r)^n - 1)/r] × (1+r)

P: Monthly amount
r: Monthly return
n: Months

Worked example

With the default values below, SIP Return Calculator returns Maturity Value of $5,045,760.00. Change any input above and every figure here is recalculated in your browser.

Inputs used

Monthly Investmentminimum 0: 10,000
Expected Annual Returnaccepts 0–100 %: 12 %
Investment Period In Yearsaccepts 1–50: 15

Results

Maturity Value: $5,045,760.00
Total Invested: $1,800,000.00
Wealth Gained: $3,245,760.00
Wealth Multiple: 2.803

Step by step

1Values used
2SIP maturity
3Maturity Value= 5,045,760.00
4Total Invested= 1,800,000.00
5Wealth Gained= 3,245,760.00
6Wealth Multiple= 2.803

Assumptions and limits

The result is derived only from the 3 inputs listed above. Anything not among them is not part of the calculation.
In particular, this calculator does not take inflation, tax or fees or charges into account.
Figures are rounded for display to 3 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.
This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Why a SIP needs its own formula

Every instalment of a systematic investment plan is really a separate investment with its own holding period. The money paid in the first month compounds for the full term; the final instalment compounds for a single month. Averaging the deposits and applying plain growth gets this badly wrong, so the calculator treats the stream as an annuity due.

Reach for it when sizing a monthly commitment against a goal — a house deposit, school fees, a retirement corpus — or when testing whether a longer term or a bigger instalment does more for you.

The formula

FV = P × [((1 + r)^n − 1) ÷ r] × (1 + r)

P is the fixed monthly instalment.
r is the monthly rate: expected annual return ÷ 12.
n is the number of instalments: years × 12.
The trailing (1 + r) is the annuity-due adjustment. Instalments are assumed paid at the start of each month, so each one earns an extra month of growth.

The 12% default is an assumption you are choosing, not a rate anyone has promised. Equity funds declare no rate at all, so put in a figure you can defend and re-run it lower to see the downside.

The default run

Monthly ₹10,000, expected return 12%, term 15 years.

Monthly rate: 12 ÷ 12 = 1%, so r = 0.01
Instalments: 15 × 12 = 180
1.01^180 = 5.9958
(5.9958 − 1) ÷ 0.01 = 499.58
499.58 × 1.01 = 504.576 per rupee of instalment
10,000 × 504.576 = ₹50,45,760

Figure	Value
Maturity value	₹50,45,760
Total invested	₹18,00,000
Wealth gained	₹32,45,760
Wealth multiple	2.80×

One single ₹10,000 instalment paid in month one grows to 10,000 × 5.9958 = ₹59,958 by maturity. The last instalment reaches ₹10,100. That spread is the entire case for starting early.

Interpreting the result

The wealth multiple is the honest headline. At 2.80× the growth contributed more than the deposits did — and it is driven by term far more than by instalment size. The same ₹10,000 at the same 12% over 10 years instead of 15 gives ₹23,23,391: under half the maturity value for two-thirds of the money.

Where it stops being true

A constant monthly return is assumed. Real returns arrive unevenly, and the sequence matters most near the end of the term.
Expense ratios, exit loads and tax on gains are not deducted, so the maturity figure is pre-cost.
The instalment is fixed. Step-up plans that raise the amount each year will beat this projection.

Planning estimates, not financial advice. Compare lump-sum growth with the compound interest calculator, check what ₹50,45,760 will buy using the inflation calculator, and weigh a guaranteed alternative with the fixed deposit maturity calculator.

Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.

Frequently Asked Questions

Why is the multiple so high over long periods?

Early instalments compound for the entire term. Over 15 years at 12% the gain typically exceeds the amount invested.

Does a SIP remove market risk?

It averages the purchase price, which reduces timing risk, but the value at maturity still depends on markets.

Is it better to raise my instalment or extend the term by a few years?

Term usually wins. Raising the instalment from ₹10,000 to ₹15,000 over 15 years at 12% gives ₹75,68,640 for ₹27,00,000 invested. Keeping ₹10,000 but running 18 years instead gives ₹76,54,392 for only ₹21,60,000 invested — a similar maturity for ₹5.4 lakh less money, because the extra years do the work.

My fund returned 18% over the last three years. Should I enter 18%?

No. Three-year trailing numbers usually capture a favourable stretch, and the calculator applies whatever you type to all 180 months. Enter a rate you would accept as a long-run average, then re-run at something lower. At 12% the default plan matures at ₹50,45,760; seeing the figure at 9% or 10% is the more useful planning input.

Does the calculator assume my instalment is debited at the start of the month?

Yes. The closing (1 + r) term makes it an annuity due, which means each instalment earns a full month of growth before the next one arrives. A mid-month or end-of-month debit date earns slightly less. On the default inputs the difference is about one month of growth on the whole corpus, close to ₹50,000.

What does pausing my SIP for a year cost me?

It depends entirely on when you pause. Skipping the first twelve instalments of the default plan reduces maturity from ₹50,45,760 to ₹43,64,180, a loss of ₹6,81,580. Skipping the last twelve costs only ₹1,28,093. Early instalments have fifteen years to compound, so a pause at the start is roughly five times more expensive than one at the end.