SIP Calculator

Project the value of monthly SIP contributions at an assumed return. Enter your own values below to see projected investment value and check the method behind it.

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Your inputs

Change the example values to match your situation.

Your result

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Fill in your inputs and select Calculate.
Your result and breakdown will appear here.

How this calculator works

Each month, compound the balance at annual rate / 12 and add the contribution at the selected time. Step-up increases contributions every 12 months.

Before you use the result

  • Projection using the rate you enter, not a guaranteed return or live product quote. Unless stated otherwise, taxes, fees and inflation are excluded.
  • Duration is entered in years.

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What is SIP Calculator?

SIP Calculator helps you project the value of monthly SIP contributions at an assumed return.

The main result is projected investment value, with a breakdown of amount invested and estimated growth. The formula, example and assumptions below explain how to interpret it.

How to use SIP Calculator

Use the example to get familiar with the form, then enter your own figures. Any rates in the example are illustrative. Check the field labels and units before calculating.

  1. Gather monthly investment (₹), expected annual return (%), investment duration (years) and contribution timing. Use values from the same situation or reporting period.
  2. Replace the example monthly investment with your own value, then complete the other fields. Check the displayed units and each selected option.
  3. Select Calculate and read projected investment value with its result breakdown. Change one input and calculate again to compare a second scenario. Reset restores the original example.
  • Enter monthly investment in ₹, at least 0. Decimals are accepted.
  • Enter expected annual return in %, at least 0 and at most 100. Decimals are accepted.
  • Enter investment duration (years), at least 1 and at most 60. Use a whole number.
  • Choose contribution timing from End of each month and Start of each month.

SIP Calculator: a worked example

With the inputs below, the result is ₹11,50,193.45 (projected investment value). Follow the example, then replace these illustrative values with your own.

Example inputs and output
Input or outputExample value
Monthly investment (₹)₹5,000
Expected annual return (%)12 %
Investment duration (years)10
Contribution timingEnd of each month
Projected investment value₹11,50,193.45
Amount invested₹6,00,000
Estimated growth₹5,50,193.45

Understanding the SIP result

Read projected investment value alongside amount invested and estimated growth. These describe different parts of the same calculation.

Displayed results use a readable number of decimal places. When checking a result by hand, keep extra precision until the last step. To compare scenarios, change one input at a time and keep the others fixed.

  • Example Amount invested: ₹6,00,000
  • Example Estimated growth: ₹5,50,193.45

SIP Calculator: assumptions and common mistakes

A useful estimate starts with the right inputs. Check the following assumptions and limits before applying the result to your situation.

  • Projection using the rate you enter, not a guaranteed return or live product quote. Unless stated otherwise, taxes, fees and inflation are excluded.
  • Duration is entered in years.
  • A projected return is an assumption. Check whether fees, tax and inflation are included before comparing products.

For wider guidance, visit SEBI Investor Education. The formula and scope of this specific tool are stated on this page.

SIP Calculator FAQs

What does SIP Calculator calculate?

SIP Calculator helps you project the value of monthly SIP contributions at an assumed return. Its main output is projected investment value in ₹.

What inputs do I need for SIP Calculator?

You need monthly investment (₹), expected annual return (%), investment duration (years) and contribution timing. Use the field labels and units to match your figures to the formula.

Which formula does SIP Calculator use?

Each month, compound the balance at annual rate / 12 and add the contribution at the selected time. Step-up increases contributions every 12 months.

What is a worked example for SIP Calculator?

Example inputs: Monthly investment: ₹5,000; Expected annual return: 12 %; Investment duration (years): 10; Contribution timing: End of each month. The result is ₹11,50,193.45 (projected investment value).

How should I enter monthly investment?

Enter monthly investment in ₹, at least 0. Decimals are accepted.

How do I choose contribution timing?

Choose contribution timing from End of each month and Start of each month. The example uses End of each month; replace it if your circumstances differ.

How should I read projected investment value?

Read projected investment value alongside amount invested and estimated growth. These describe different parts of the same calculation.

Why might my SIP Calculator result differ from my records?

Projection using the rate you enter, not a guaranteed return or live product quote. Unless stated otherwise, taxes, fees and inflation are excluded. Differences in entered values, units or rounding can also change the comparison.

Can I compare two scenarios in SIP Calculator?

Yes. Note your first projected investment value, change monthly investment or another input, and select Calculate again. Editing a field clears the old result so it is not mistaken for a new calculation.

Is SIP Calculator free, and where are my inputs calculated?

This calculator is free to use without signing in. Its formula runs in your browser; calculator inputs are not sent to a calculation API. The inputs reset to the example values when you reset the form or start a fresh page.