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SIP Calculator: Future Value of Monthly Investments

This free SIP calculator estimates what a monthly systematic investment plan could be worth. Enter the monthly amount, the expected annual return and the number of years to see the maturity value and the returns.

By Debmedia Technologies LLP · Kolkata, India · Updated

What Is It and When Do You Need It?

A SIP invests the same amount every month, and the money grows through compounding. The calculator shows what the plan could become if the return stays at the rate you assume. It is a planning aid, not a forecast.

Enter your monthly amount, the return you expect and the years. You can also add a yearly step-up.

How to Use This Tool

  1. Enter the monthly amount.
  2. Enter the expected annual return.
  3. Enter the number of years.
  4. Optionally add a yearly step-up, then press Calculate.

How the Calculation Works

With no step-up the future value is P × ((1 + i)^n − 1) ÷ i × (1 + i), with each instalment invested at the start of the month. With a step-up, the tool runs month by month and raises the instalment by the chosen percentage at the start of each year. The monthly rate is the annual rate ÷ 12.

Worked Example

A SIP of 5,000 a month at 12% a year for 10 years invests 600,000 and is worth about 1,161,695, so the estimated gain is about 561,695.

Common Uses

  • Planning goals such as a home, education or retirement.
  • Comparing different monthly amounts.
  • Seeing the benefit of starting early.
  • Setting realistic expectations.

Tips and Common Mistakes

  • Use a cautious return for planning.
  • Starting five years earlier beats a much larger amount later.
  • Fees and taxes reduce the real return.

Next, you may need the compound interest calculator, savings goal calculator, CAGR calculator, fixed deposit calculator.

Everything runs in your browser. Nothing you type is uploaded, stored or sent to any outside service.

Frequently Asked Questions

A systematic investment plan puts a fixed amount into an investment, usually a mutual fund, every month. It builds the habit of investing and averages the purchase price over time.
Future value = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is the monthly amount, i is the monthly rate (annual rate ÷ 12) and n is the number of months.
No. Market-linked investments can fall as well as rise. The return you enter is an assumption, not a promise.
A step-up raises the monthly amount by a fixed percentage every year, in line with a rising income.

Disclaimer: results are calculated in your browser from the numbers you enter. Check important results before you rely on them for money, health, safety or legal decisions.