What it does
A SIP (systematic investment plan) puts a fixed amount into a fund every month. Because you buy regularly, your money grows by compounding: gains earn gains. This calculator estimates the future value of a SIP at a return you choose, and shows how much is your own money and how much is growth.
It is useful for any monthly investing habit, in any currency. For a lump sum with other deposit options, use the compound interest calculator, and to see what the final amount may buy in future, the inflation calculator.
How to use it
- Choose your currency and enter the Monthly SIP.
- Enter the Expected return per year and the number of Years.
- Optionally enter a yearly raise (step-up) and a lumpsum you invest on day one.
- Read the future value, the money invested and the estimated gains, then check the chart and the table. Download the table as CSV if you want it in a spreadsheet.
What each setting does
- Expected return: a yearly rate. It is divided by 12 to get the monthly rate, so 12% means 1% a month.
- Yearly raise (step-up): the SIP goes up by this percent at the start of every year, for example when your pay rises.
- Lumpsum: an amount invested once at the start that grows alongside the SIP.
The formula used is the annuity-due one: each instalment is paid at the start of the month, so it earns that month’s return.
Worked example
A monthly SIP of 10,000 at 12% a year for 10 years gives a future value of 23,23,391 (about 23.23 lakh). You invested 12,00,000, so the estimated gain is about 11.23 lakh. Raising the SIP by 10% each year grows the result a lot further.
FAQs
Is the return guaranteed? No. Market-linked funds go up and down, so the real result will differ. Try several returns, such as 8%, 10% and 12%.
Why is my fund’s result different? Funds are priced daily, charges are taken, and instalment dates vary. This is a planning estimate.
Is tax included? No. Tax on gains depends on where you live and the type of fund. Not financial or tax advice.
Where the numbers come from
- Standard future-value-of-an-annuity-due formula, FV = P x ((1+i)^n - 1) / i x (1+i), with monthly rate i = yearly return / 12. Checked: 10,000 a month at 12% for 10 years is 23,23,391.
Standard scientific values, such as constants, atomic weights and melting points, are facts found in every textbook; we name where ours were checked. If you are an author or publisher and want a value, a credit or a table changed or removed, tell us and we will act quickly.
Last updated 2026-11-10.