How is the SIP maturity value calculated?

A SIP is treated as a series of monthly investments, each compounding for the number of months remaining until maturity. The future value uses the annuity formula FV = A × [((1+i)^n − 1) ÷ i] × (1+i), where A is the monthly investment, i is the monthly rate (annual return ÷ 12, as a fraction), and n is the number of monthly instalments. The trailing (1+i) reflects investing at the start of each month, the convention most SIP calculators use. This tool applies exactly that formula and shows the maturity value, the total invested, and the gains separately.

Are SIP returns guaranteed?

No. A SIP is a way of investing in mutual funds, and mutual fund returns are linked to the market — equity funds in particular fluctuate and can fall in value over short periods. The annual return you enter is an assumption used to project a likely outcome, not a guaranteed rate. Historically, diversified equity funds in India have returned around 11–13% over long periods, but any individual SIP’s actual result depends on market performance over its specific duration. Use a realistic, even conservative, return for planning, and treat the maturity value as a projection.

Why does duration matter so much in a SIP?

Because of compounding. Each monthly instalment earns returns, and those returns themselves earn returns over the months that follow. The earliest instalments in a long SIP compound for the entire duration, so they contribute disproportionately to the final corpus. This is why extending a SIP from 10 to 20 years roughly quadruples the maturity value even though you only double the amount invested — the additional years give every early rupee far more time to grow. Starting early, even with a small amount, beats starting later with a larger one.

What is the difference between a SIP and a lumpsum investment?

A lumpsum is a single one-time investment, while a SIP spreads the investment across regular monthly instalments. A SIP suits people investing from monthly income and has the advantage of rupee-cost averaging — you buy more units when prices are low and fewer when high, smoothing out market volatility. A lumpsum suits investing a windfall or existing savings all at once, and can outperform a SIP in a steadily rising market because the full amount is invested from day one. For a one-time amount, use a lumpsum or FD calculator instead; this tool is for regular monthly investing.

Can I change or stop my SIP later?

Yes. SIPs in India are flexible — you can increase or decrease the monthly amount, pause it, or stop it entirely without penalty, and many investors use a “step-up” SIP that raises the monthly amount each year as their income grows. This calculator projects a constant monthly amount for simplicity, so if you plan to step up your contribution, run it again with the higher figure to see the effect, or model the average amount you expect to invest over the period.

Are the figures I enter stored anywhere?

No. The entire calculation runs in JavaScript inside your own browser. Nothing you enter — monthly amount, return, or duration — is uploaded, logged, or stored on any server. The tool is free, needs no login, and closing the tab clears everything. There is no account and no saved history.

Finance

SIP Calculator

See what a monthly SIP grows to — maturity value, amount invested, and gains — at any return and duration. Free, in your browser, nothing uploaded.

By the Samastam teamLast updated 2026-06-18Editorial standards

SIP details

Monthly investment (₹)

₹

Expected return (% per year)

A projection, not a guarantee. Indian equity funds have historically returned ~11–13% long-term.

Duration (years)

Duration is the biggest lever — the longer the SIP, the more compounding works for you.

Breakdown

Maturity value: —
Amount invested: —
Estimated gains: —

Enter a monthly amount and duration on the left. The maturity value, amount invested, and gains update here as you type.

A SIP calculator works out what a Systematic Investment Plan — a fixed amount invested every month in a mutual fund — grows to over time. Enter the monthly investment, an expected annual return, and the duration, and it shows the projected maturity value, the total amount you will have invested, and the gains on top. Because each monthly instalment compounds for the months that follow it, a SIP builds wealth through regular investing rather than market timing. Everything runs in your browser, so nothing you type is sent anywhere.

What this is and why it matters

A Systematic Investment Plan, or SIP, is the most common way Indians invest in mutual funds: a fixed amount is debited from your bank account every month and used to buy units of a chosen fund. Over time this builds a substantial corpus without requiring you to time the market or invest a large sum upfront. The mechanism that makes it powerful is compounding combined with regularity — each monthly instalment you invest has its own runway to grow, and the earliest instalments compound the longest, so a SIP run over many years produces gains that dwarf the contributions made in the final years.

A SIP calculator matters because the end result of regular investing is deeply unintuitive. Putting aside ₹5,000 a month does not feel like much, and over ten years you contribute ₹6 lakh — but at a 12% annual return that grows to roughly ₹11.6 lakh, nearly doubling. Extend the same SIP to twenty years and the contributions only double to ₹12 lakh, yet the maturity value leaps to around ₹50 lakh. Seeing this curve — where gains overtake contributions and then accelerate — is what motivates people to start early and stay invested, and a calculator makes the abstract idea of compounding concrete in rupees.

It also lets you plan toward a goal. If you know you want a certain corpus for a child’s education or a down payment in fifteen years, you can adjust the monthly amount and expected return until the projected maturity matches the target. Because the calculator separates the amount invested from the gains, you can see exactly how much of your goal your own money funds and how much the market is expected to provide.

How to use this tool

Enter the monthly investment. Type the amount you plan to invest each month into the SIP — the figure that will be debited automatically from your account. The breakdown updates as you type, with no submit button and nothing sent anywhere. Even modest amounts like ₹2,000 or ₹5,000 a month build meaningfully over long durations.

Set the expected annual return. Type the annual return you expect from the fund, as a percentage. This is an assumption, not a guarantee — equity funds in India have historically returned around 11–13% over long periods, debt funds less, so choose a figure that reflects the kind of fund you are investing in. Using a conservative return gives a more realistic projection.

Choose the duration. Set how many years you plan to continue the SIP using the year buttons or a custom value. Duration is the single biggest lever in a SIP because of compounding: the same monthly amount over twenty years produces dramatically more than over ten, since the early instalments have far longer to grow. Try a few durations to see how powerfully time works in your favour.

Read the breakdown. The panel shows the projected maturity value, the total amount you will have invested, and the gains — the difference between the two. Adjust any input to plan toward a goal: raise the monthly amount, extend the duration, or test a different return, and watch how the maturity value and the invested-versus-gains split respond.

Examples and use cases

A young professional starting small

A 25-year-old in Bengaluru starts a ₹5,000 monthly SIP in an equity fund, expecting 12% a year, and plans to run it for 10 years. Entering ₹5,000, 12%, and 10 years shows a maturity value of about ₹11.6 lakh, against ₹6 lakh invested — gains of roughly ₹5.6 lakh. Seeing that the gains nearly match the contributions is what convinces many first-time investors to keep going beyond ten years.

The power of a longer duration

The same ₹5,000 monthly SIP at 12%, run for 20 years instead of 10, tells a strikingly different story. The amount invested only doubles to ₹12 lakh, but the maturity value jumps to around ₹50 lakh. The extra ten years contribute far more than the first ten, because the early instalments have two decades to compound — a vivid illustration of why starting early beats investing more later.

Planning for a child’s education

A parent in Pune wants about ₹25 lakh for a child’s higher education in 15 years and expects 11% from a balanced fund. Testing ₹5,000 a month gives roughly ₹20.9 lakh — short of the goal — so they raise it to ₹6,000, which projects to about ₹25 lakh. Using the calculator to back into the required monthly amount turns a vague aspiration into a concrete savings target.

A conservative debt-fund SIP

A risk-averse investor runs a ₹10,000 monthly SIP in a debt fund expecting a more modest 7% over 10 years. The calculator shows a maturity of about ₹17.3 lakh against ₹12 lakh invested — gains of roughly ₹5.3 lakh. Comparing this with a 12% equity assumption for the same SIP makes the risk-return trade-off concrete: higher expected returns build more, but with more volatility along the way.

Frequently asked questions

How is the SIP maturity value calculated?: A SIP is treated as a series of monthly investments, each compounding for the number of months remaining until maturity. The future value uses the annuity formula FV = A × [((1+i)^n − 1) ÷ i] × (1+i), where A is the monthly investment, i is the monthly rate (annual return ÷ 12, as a fraction), and n is the number of monthly instalments. The trailing (1+i) reflects investing at the start of each month, the convention most SIP calculators use. This tool applies exactly that formula and shows the maturity value, the total invested, and the gains separately.
Are SIP returns guaranteed?: No. A SIP is a way of investing in mutual funds, and mutual fund returns are linked to the market — equity funds in particular fluctuate and can fall in value over short periods. The annual return you enter is an assumption used to project a likely outcome, not a guaranteed rate. Historically, diversified equity funds in India have returned around 11–13% over long periods, but any individual SIP’s actual result depends on market performance over its specific duration. Use a realistic, even conservative, return for planning, and treat the maturity value as a projection.
Why does duration matter so much in a SIP?: Because of compounding. Each monthly instalment earns returns, and those returns themselves earn returns over the months that follow. The earliest instalments in a long SIP compound for the entire duration, so they contribute disproportionately to the final corpus. This is why extending a SIP from 10 to 20 years roughly quadruples the maturity value even though you only double the amount invested — the additional years give every early rupee far more time to grow. Starting early, even with a small amount, beats starting later with a larger one.
What is the difference between a SIP and a lumpsum investment?: A lumpsum is a single one-time investment, while a SIP spreads the investment across regular monthly instalments. A SIP suits people investing from monthly income and has the advantage of rupee-cost averaging — you buy more units when prices are low and fewer when high, smoothing out market volatility. A lumpsum suits investing a windfall or existing savings all at once, and can outperform a SIP in a steadily rising market because the full amount is invested from day one. For a one-time amount, use a lumpsum or FD calculator instead; this tool is for regular monthly investing.
Can I change or stop my SIP later?: Yes. SIPs in India are flexible — you can increase or decrease the monthly amount, pause it, or stop it entirely without penalty, and many investors use a “step-up” SIP that raises the monthly amount each year as their income grows. This calculator projects a constant monthly amount for simplicity, so if you plan to step up your contribution, run it again with the higher figure to see the effect, or model the average amount you expect to invest over the period.
Are the figures I enter stored anywhere?: No. The entire calculation runs in JavaScript inside your own browser. Nothing you enter — monthly amount, return, or duration — is uploaded, logged, or stored on any server. The tool is free, needs no login, and closing the tab clears everything. There is no account and no saved history.