SIP Calculator
Calculate the future value of your Systematic Investment Plan (SIP) in mutual funds.
Maturity Value
₹11,61,695
in 10 years @ 12% p.a.
Total Invested
₹6,00,000
Est. Returns
₹5,61,695
Growth Over Time
How SIP Returns Are Calculated
SIP Formula (Compound Interest)
M = P × { [(1 + r)ⁿ − 1] / r } × (1 + r)- M = Maturity value
- P = Monthly SIP amount
- r = Monthly interest rate = Annual rate ÷ 12 ÷ 100
- n = Number of months (years × 12)
SIP works on the principle of compounding — each month's investment earns returns, and those returns earn further returns over time. This compounding effect accelerates wealth creation significantly in the later years of your investment.
📈 Power of compounding
A ₹5,000/month SIP at 12% for 10 years gives ₹11.6 L invested but ₹11.5 L in returns — nearly doubling your money. At 20 years, returns are 3× the amount invested.
⏱ Time matters most
Starting 5 years earlier can double your final corpus. A ₹5,000/month SIP for 25 years at 12% gives ₹94 L — vs ₹49 L for just 20 years. Start early, stay invested.