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SIP Calculator

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Calculate your Systematic Investment Plan maturity value, invested amount, and wealth gain with monthly compounding.

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₹

Amount invested at the start of each month

Presets:
%

Compounded monthly (nominal rate i = r/12)

Presets:
Yrs

Investment duration in years

Presets:

Results

Estimated Total Corpus
₹1.26 Cr
(₹1,26,14,400)

You invest ₹45 Lakh and compounding adds ₹81.14 Lakh more — your money grows 2.8× its invested value

Total Invested
₹45 Lakh(₹45,00,000)
Total Wealth Gain
+₹81.14 Lakh(+₹81,14,400)
Wealth Gain %
180.3%

At ₹25,000/mo over 15 years, you invest ₹45 Lakh and earn ₹81.14 Lakh purely through compounding.

Investing for just 2 more years (17 yrs) adds +₹40.84 Lakh to your corpus!

Cost of Delay: Delaying by 5 years reduces your corpus by ~₹68.06 Lakh due to lost compounding.

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Estimates only. Not financial advice. Mutual fund investments are subject to market risks.

Quick Answer / Summary

A monthly investment of ₹25,000 in an equity SIP at an expected 12% annual return over 15 years generates an estimated maturity corpus of ₹1.26 Crore (₹1,26,14,400). You invest a total of ₹45.00 Lakh and earn ₹81.14 Lakh in compounding wealth gain.

How this SIP calculator works

How is this calculated? Full Methodology & Proof →

A Systematic Investment Plan (SIP) enables disciplined rupee-cost averaging by investing a fixed sum on a scheduled day every month into mutual fund units. Each installment earns compound interest over its remaining tenure. Because units are bought each month across market highs and lows, your average acquisition cost stabilizes over long horizons.

Calcumetrics computes SIP maturity using the standard annuity-due formula with monthly compounding. Annuity-due assumes installments are credited at the beginning of each month (matching the banking auto-debit schedule of Indian mutual fund AMCs):

FV = P × [((1 + i)ⁿ − 1) / i] × (1 + i)
FV = Future Value (estimated maturity corpus)
P = Monthly investment installment
i = Monthly interest rate = Annual Rate / 12 / 100
n = Total installments = Tenure in Years × 12

How Step-Up (Top-Up) SIP Accelerates Compounding

While a standard SIP maintains a flat contribution over 15–25 years, a Step-Up SIP increases your monthly installment once every 12 months (by a fixed percentage such as 10%, or a fixed sum like ₹2,500). As your salary increases, stepping up your investment counters lifestyle inflation and compounds heavily into the later years, frequently yielding 50% to 120% more wealth than a flat SIP with zero additional financial strain early in your career.

Worked mathematical example

Here is how the formula calculates a ₹25,000 monthly SIP at 12% p.a. over 15 years step-by-step:

Step 1:Monthly rate: i = 12 / (12 × 100) = 0.01
Step 2:Total monthly installments: n = 15 × 12 = 180 months
Step 3:Compound factor: (1 + 0.01)¹⁸⁰ − 1 = 5.995802 − 1 = 4.995802
Step 4:Annuity-due multiplication: 25,000 × (4.995802 / 0.01) × 1.01 = ₹1,26,14,400
Total Invested: ₹45,00,000Wealth Gain: ₹81,14,400

How to use this SIP calculator

1

Enter Monthly Amount

Choose the amount you can comfortably invest every month via bank auto-debit.

2

Set Expected Return

Use 11% to 13% for diversified equity funds; 7% to 9% for debt or conservative hybrid funds.

3

Select Horizon

Compounding works best over 10+ years. Slide tenure to test 5, 10, 15, or 20-year goals.

4

Review & Share

View live corpus breakdown, copy the scenario link, or share directly on WhatsApp.

Year-by-year compounding schedule

Observe how interest accumulation outpaces the cumulative invested capital as time progresses:

View Year-by-Year Growth Table (1 to 15 Years)↓
YearMonthly DepositInvested AmountEstimated CorpusCompounded Gain
Year 1₹25,000₹3,00,000₹3,20,233+₹20,233
Year 2₹25,000₹6,00,000₹6,81,080+₹81,080
Year 3₹25,000₹9,00,000₹10,87,691+₹1,87,691
Year 4₹25,000₹12,00,000₹15,45,871+₹3,45,871
Year 5₹25,000₹15,00,000₹20,62,159+₹5,62,159
Year 6₹25,000₹18,00,000₹26,43,926+₹8,43,926
Year 7₹25,000₹21,00,000₹32,99,475+₹11,99,475
Year 8₹25,000₹24,00,000₹40,38,164+₹16,38,164
Year 9₹25,000₹27,00,000₹48,70,538+₹21,70,538
Year 10₹25,000₹30,00,000₹58,08,477+₹28,08,477
Year 11₹25,000₹33,00,000₹68,65,370+₹35,65,370
Year 12₹25,000₹36,00,000₹80,56,304+₹44,56,304
Year 13₹25,000₹39,00,000₹93,98,279+₹54,98,279
Year 14₹25,000₹42,00,000₹1,09,10,449+₹67,10,449
Year 15₹25,000₹45,00,000₹1,26,14,400+₹81,14,400

Key limitations & common misconceptions

Returns Are Not Linear

A 12% expected return does not mean 1% every month. Markets fluctuate with negative years followed by sharp recoveries.

Inflation Impact

This calculator outputs nominal values. A ₹1.26 Cr corpus 15 years from now has a real purchasing power of ~₹52.6 Lakh at 6% inflation.

Budget 2024 Tax Rules

Equity fund LTCG held > 12 months is taxed at 12.5% on gains exceeding ₹1.25 Lakh per financial year.

Frequently asked questions

What is a SIP calculator and how does it work?
A SIP calculator computes the estimated maturity corpus and capital gains of a Systematic Investment Plan. It applies compound interest on regular monthly contributions debited at the start of each month using the annuity-due mathematical formula.
Is a 12% return realistic for mutual fund SIPs in India?
Historically, diversified Indian equity mutual funds (large-cap, flexi-cap, and index funds tracking Nifty 50 or Sensex) have delivered 11% to 14% CAGR over rolling 10 to 15-year periods. However, equity returns are subject to market volatility and are not guaranteed.
What formula does this SIP calculator use?
This calculator uses the standard annuity-due formula: FV = P × [((1 + i)^n − 1) / i] × (1 + i), where P is the monthly investment amount, i is the monthly interest rate (annual rate / 12 / 100), and n is total months (years × 12).
SIP vs Lumpsum: which is better for wealth creation?
SIP is ideal for salaried individuals as it enforces investing discipline and leverages Rupee Cost Averaging to buy more units when markets dip. Lumpsum investing can generate higher returns when markets are undervalued or at the beginning of a bull cycle, but carries higher entry timing risk.
What happens if I miss a monthly SIP installment?
If your bank account lacks sufficient balance, the fund house does not penalize or cancel your folio, though your bank may levy an auto-debit bounce charge. If three consecutive monthly debits fail, the mutual fund AMC may automatically pause the mandate.
Are mutual fund SIP returns tax-free in India?
No. Under Budget 2024 tax rules, Long-Term Capital Gains (LTCG) on equity mutual funds held for more than 12 months are taxed at 12.5% on capital gains exceeding ₹1.25 lakh per financial year. Short-Term Capital Gains (STCG) on units held up to 12 months are taxed at 20%.
What is a Step-Up SIP?
A Step-Up (or Top-Up) SIP automatically increases your monthly installment amount periodically (typically 5% to 10% each year in line with annual salary increments). This accelerates corpus accumulation significantly over long investment horizons.

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Comparing fixed deposits vs mutual fund SIPs?Read our in-depth analysis on RD vs. SIP: Guaranteed Returns vs. Market-Linked Wealth Creation →
Last edited: ·Formulas: see Methodology

Estimated Maturity

₹1,26,14,400

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