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Money & CalculatorsFree online tool
Estimate how regular monthly SIP investments could grow at an assumed yearly return, and compare different amounts and time periods.
Quick answer: A SIP calculator estimates what regular monthly investments could grow to at an assumed yearly return. ₹5,000 a month for 10 years at an assumed 12% would grow to about ₹11,61,695 on ₹6,00,000 invested. Returns are not guaranteed.
Calculator results are estimates. Check important financial, tax or market figures against the relevant current official source or professional advice.
Enter the values you want to calculate, then review the estimate below.
Use the controls above, check the result, then copy or download it when available.
The calculator uses the future value of equal monthly investments: FV = P × [((1 + i)^n - 1) ÷ i] × (1 + i). P is the monthly amount, i is the monthly rate (the annual rate divided by 12 and by 100) and n is the number of months. The extra (1 + i) assumes each instalment is invested at the start of the month.
Estimated gain is the maturity value minus the total you invested. At a 0% rate nothing is added, so the maturity value equals the amount invested.
| Monthly SIP | ₹5,000 |
|---|---|
| Assumed return | 12% a year (1% a month) |
| Period | 10 years (120 months) |
| Total invested | ₹6,00,000 |
| Estimated maturity value | ₹11,61,695 |
| Estimated gain | ₹5,61,695 |
An illustration of the formula, not a forecast. At 10% a year the same SIP gives about ₹10,32,760.
Small changes in the assumed return compound over many years. For ₹5,000 a month over 10 years, an assumed 10% a year gives about ₹10,32,760 and 12% gives about ₹11,61,695. Try several rates, including a low one, instead of relying on a single number.
Real mutual fund returns move up and down and are not guaranteed. The estimate ignores expense ratios, exit loads, taxes, the exact date each instalment is invested and any increase in your SIP amount over time. Use it to compare plans and set goals, not to predict a result, and read the scheme documents before investing.
Last reviewed 24 October 2026. The example figures were produced with this calculator's own formula. Results are estimates for general information and are not financial, tax or legal advice.
No. The result is a mathematical projection based on the return assumption you enter.
Use this tool whenever you need: Comparing contribution amounts, investment periods and hypothetical return scenarios. It offers a fast, client-side workflow without sign-ups, installation or complex software.
Yes. All processing executes locally in your browser using client-side JavaScript. Your inputs, files and calculations remain private and are never uploaded to our servers.
Run several return assumptions rather than treating one projected value as a promise. Important note: Actual investment returns vary and the calculation does not predict future market performance, taxes or fund-specific costs.
No. Mutual fund investments are subject to market risks, and a SIP does not assure a profit or protect against loss. This calculator uses a fixed assumed rate only to show how compounding works.
There is no right number. Try a cautious rate and a higher one and compare them, and remember that past returns do not guarantee future results.
A SIP invests a fixed amount at regular intervals, while a lump sum invests everything at once. The calculator on this page covers SIP only.
No. Results are before taxes, expense ratios and exit loads, so real results will be lower.
See how regular monthly investing could grow over your chosen period.
Investment details
Use a monthly amount, an expected annual return and an investment period.
Monthly investment
Investment period
Your estimate
Invested
₹6,00,000
Est. returns
₹5,61,695
Future value
₹11,61,695
Estimate only. This illustration assumes monthly contributions at the start of each month and a constant monthly return based on the annual rate. Actual mutual fund returns are market-linked, vary over time and are not guaranteed. Taxes, fees and exit loads are not included.