SIP Calculator — See Your Monthly Investment Grow | Techovra
SIP Calculator
See what your monthly SIP grows into, split between your money and market growth.
Calculate Your SIP Returns
Add a yearly step-up to see how raising your SIP changes the result. Results update as you type.
A Systematic Investment Plan turns a fixed monthly amount into a lump sum over time, and the gap between what you put in and what you end up with is almost entirely a function of two things: the rate and the years. This SIP calculator projects your monthly investment forward and splits the final number into exactly that: your contributions versus the growth on top of them.
What this tool does
Enter your monthly SIP amount, an expected annual return and your investment horizon, and this SIP maturity calculator compounds each instalment forward to your target date. Because each month's contribution has grown for a different length of time, the math isn't a simple multiplication. It's a proper compounding calculation, same as the one your mutual fund's own SIP calculator runs.
A worked example
Say you invest ₹10,000 every month in a mutual fund SIP calculator scenario assuming a 12% p.a. return (the mid-range historical CAGR for Nifty 50 over the past 20 years) for 15 years. The calculator opens with these numbers.
- Monthly rate: 12% ÷ 12 = 1%.
- Number of instalments: 15 years × 12 = 180.
- Run the formula: Maturity value = P × [((1+r)^n − 1) ÷ r] = 10,000 × 499.58 ≈ ₹49.96 lakh.
Of that ₹49.96 lakh, you'll have contributed ₹18,00,000 out of your own pocket across 180 months. The other ₹31.96 lakh, nearly two-thirds of the final number, is growth, entirely from staying invested and letting compounding do the rest. Our guide on what a ₹10,000 SIP grows to in 20 years runs the same amount over a longer horizon to show how much that extra time adds.
Why starting early matters more than investing more
Because each month's contribution compounds for a different length of time, the earliest instalments in a long SIP do disproportionately more work than the later ones. A monthly SIP investment calculator run for 20 years instead of 15, at the same ₹10,000/month and 12% rate, doesn't just add 5 more years of contributions. It roughly doubles the final corpus, because those extra 60 months of compounding apply on top of a much larger base. Time in the market consistently outweighs a slightly larger monthly amount started later.
If you already have a lump sum sitting idle and are deciding whether to invest it all at once instead of spreading it monthly, our guide on SIP vs lump sum runs that comparison with worked numbers, and the lump-sum investment calculator projects a one-time amount on the same compounding assumptions.
Frequently Asked Questions
Is 12% a realistic return to assume for my own SIP?
It's a reasonable long-term historical reference for equity-oriented mutual funds, not a guarantee for any specific fund or period. Markets don't deliver a steady 12% every year. Actual year-to-year returns swing well above and below that average. For conservative planning, many advisors suggest using 10%-11% instead to build in a margin of safety.
Should I increase my SIP amount every year?
Doing so, often called a "step-up SIP", can meaningfully shorten how long it takes to reach a target corpus, since your contributions grow alongside your income rather than staying flat in real terms. Use the yearly step-up field above to see it: a step-up scenario will always outperform the flat-amount projection for the same starting SIP.
This shows you the SIP math using a standard historical return assumption. It is not investment advice. Mutual fund returns are not guaranteed and past performance does not predict future results.