Estimate SIP growth for a child education goal.
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SIP Calculator
Quick answer
For SIP Future Value: if monthly investment is ₹10,000, expected annual return is 12% and months are 60, the estimated value is ₹8,24,863.67.
SIP formula: how SIP returns are calculated: FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i).
Enter your values
0 %40 %
%
1240
Estimated value
₹8,24,863.67
An amount worked out directly from the figures you entered above.
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About the SIP Calculator
A SIP (systematic investment plan) invests a fixed amount every month, so you buy more units when prices are low and fewer when they are high. This calculator estimates what your SIP could be worth at the end of the period for the monthly amount, expected return and number of months you enter.
Because returns compound, time matters more than the exact amount: compare 10 years with 15 years to see the difference.
SIP formula: how SIP returns are calculated
FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i)
P is the monthly investment, i is the monthly return (expected annual return ÷ 12 ÷ 100) and n is the number of months. Each instalment is assumed to be invested at the start of the month.
Things to keep in mind
- Returns are an assumption, not a promise. Market-linked returns vary and can be negative, so plan with a cautious estimate.
- Increase your SIP when your income rises (a step-up SIP) to reach goals sooner.
- Check expense ratios and exit loads of the fund you choose; they reduce your actual return.
See how the result changes
Each table re-runs this calculator with one value changed and everything else left as it is.
Estimated value by monthly investment
If monthly investment goes from ₹10,000 to ₹15,000, estimated value changes from ₹8,24,863.67 to ₹12,37,295.50 (+50%).
| Monthly investment | Estimated value |
|---|---|
| ₹5,000 | ₹4,12,431.83 |
| ₹7,500 | ₹6,18,647.75 |
| ₹10,000start | ₹8,24,863.67 |
| ₹15,000 | ₹12,37,295.50 |
| ₹20,000 | ₹16,49,727.33 |
Estimated value by expected annual return
If expected annual return goes from 12% to 18%, estimated value changes from ₹8,24,863.67 to ₹9,76,578.71 (+18%).
| Expected annual return | Estimated value |
|---|---|
| 6% | ₹7,01,188.81 |
| 9% | ₹7,59,898.18 |
| 12%start | ₹8,24,863.67 |
| 18% | ₹9,76,578.71 |
| 24% | ₹11,63,325.70 |
Estimated value by months
If months goes from 60 to 90, estimated value changes from ₹8,24,863.67 to ₹14,63,119 (+77%).
| Months | Estimated value |
|---|---|
| 30 | ₹3,51,327.40 |
| 45 | ₹5,70,458.85 |
| 60start | ₹8,24,863.67 |
| 90 | ₹14,63,119 |
| 120 | ₹23,23,390.76 |
FINANCE GUIDE
A quick guide to SIP Future Value
Use it to get an accurate estimated value in seconds — free, with no sign-up.
Instant results
See your estimated value the moment you enter your numbers.
Free, no sign-up
Every calculator here is free to use, with no account required.
Accurate & transparent
The same standard formula runs on our server for every calculation.
How to Use the SIP Future Value Calculator
1
Enter Monthly investment
Provide your monthly investment.
2
Enter Expected annual return
Provide your expected annual return, in %.
3
Enter Months
Provide your months.
4
View Your Results
Get your estimated value instantly, calculated on our server.
What is SIP Future Value?
This finance tool works out your estimated value instantly, so you don't have to do the math by hand.
“One quick calculation, so you always know your estimated value before you decide.”
What Affects Your Estimated value
Your estimated value depends on the values below.
Monthly investment
Changing your monthly investment changes your estimated value.
Expected annual return
Changing your expected annual return changes your estimated value. Typically between 0 and 40 %.
Months
Changing your months changes your estimated value.
Example Result
Here's what you can expect from a SIP future value calculation:
- Monthly investment
- 10000
- Expected annual return
- 12 %
- Months
- 60
- Estimated value
- ₹8,24,863.67
Frequently Asked Questions
- Is the SIP return guaranteed?
- No. The calculator applies the expected annual return you enter, but mutual fund returns are subject to market risk and may be lower — or negative.
- What is the full form of SIP?
- SIP stands for Systematic Investment Plan: a way of investing a fixed amount in a mutual fund at regular intervals, usually every month.
- How does monthly investment affect estimated value?
- If monthly investment goes from ₹10,000 to ₹15,000, estimated value changes from ₹8,24,863.67 to ₹12,37,295.50 (+50%).
- How does expected annual return affect estimated value?
- If expected annual return goes from 12% to 18%, estimated value changes from ₹8,24,863.67 to ₹9,76,578.71 (+18%).
- How to calculate SIP returns?
- Fill in monthly investment, expected annual return and months in the SIP Calculator above and your estimated value is calculated instantly. Change any value to see how the result responds.
- What does an example SIP future value calculation look like?
- For SIP Future Value: if monthly investment is ₹10,000, expected annual return is 12% and months are 60, the estimated value is ₹8,24,863.67.
- Is this calculator free to use?
- Yes — every calculator on this site is completely free, with no sign-up or account required.
- How accurate is this calculator?
- It uses the standard formula and calculates on our server for every request, so results are precise for the values you enter.
- Is my data saved anywhere?
- No. Nothing you enter is stored or sent anywhere unless you choose to share a link with your values included.
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