// SIP CALCULATOR
SIP Calculator
Estimate the future value of a fixed monthly investment over any time period at a chosen annual return.
// INPUTS
₹
// OUTPUT
FUTURE VALUE
₹50,45,760
TOTAL INVESTED₹18,00,000
ESTIMATED GAIN₹32,45,760
GAIN % OF CORPUS64.33%
// FORMULA
// FORMULA
FV = P × ((1 + i) ^ n − 1) / i × (1 + i)
P = monthly contribution, i = monthly rate (annual/12), n = number of months. Contributions are treated as start-of-month.
// EXAMPLE
// WORKED OUT
₹10,000 / month at 12% for 15 years (n = 180, i = 0.01): FV ≈ ₹50.46 lakh Invested ≈ ₹18.00 lakh Gain ≈ ₹32.46 lakh
// WHAT THIS MEANS
A SIP spreads contributions over time, so each rupee compounds for a different number of months. The earliest contributions do the heaviest lifting — they have the longest time to compound — which is why starting earlier matters more than contributing more later.
// FAQ
Is the actual return ever exactly this number?+−
No real market return is constant. The calculator gives the result for a steady annual rate; actual outcomes depend on the path the market takes.
Why use monthly compounding?+−
Because contributions go in monthly. Compounding at the same frequency as cashflows is the standard convention for SIP math.
Does this account for taxes or exit loads?+−
No. Reduce the assumed rate to bake in expected costs.
// RELATED CALCULATORS
// COMPOUNDING
Step-Up SIP Calculator
SIP value when contributions grow yearly.
// COMPOUNDING
Investment Growth Calculator
Future value of a lumpsum at a chosen rate.
// COMPOUNDING
Future Value Calculator
FV of a present amount at a chosen rate.
// INFLATION
Real Return Calculator
Return after stripping out inflation.