The calculator applies the future-value-of-an-annuity formula: each monthly instalment is compounded at the monthly rate (annual return ÷ 12) for the months it stays invested, and the results are summed. It assumes instalments at the start of each month, which is how most fund houses debit SIPs.
SIP Calculator
Estimate what a monthly Systematic Investment Plan grows into. Enter the amount, expected annual return and tenure to see the invested amount, estimated returns and the year-by-year value of your SIP.
Invested amount
₹6,00,000
Estimated returns
₹5,61,695
Total value
₹11,61,695
Year-by-year SIP growth
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | ₹60,000 | ₹4,047 | ₹64,047 |
| 2 | ₹1,20,000 | ₹16,216 | ₹1,36,216 |
| 3 | ₹1,80,000 | ₹37,538 | ₹2,17,538 |
| 4 | ₹2,40,000 | ₹69,174 | ₹3,09,174 |
| 5 | ₹3,00,000 | ₹1,12,432 | ₹4,12,432 |
| 6 | ₹3,60,000 | ₹1,68,785 | ₹5,28,785 |
| 7 | ₹4,20,000 | ₹2,39,895 | ₹6,59,895 |
| 8 | ₹4,80,000 | ₹3,27,633 | ₹8,07,633 |
| 9 | ₹5,40,000 | ₹4,34,108 | ₹9,74,108 |
| 10 | ₹6,00,000 | ₹5,61,695 | ₹11,61,695 |
- 120 instalments of ₹5,000 compounded monthly at 12% p.a.
Projections assume returns compound monthly at the rate you choose (default 12% p.a., a long-run equity assumption — not a guarantee). Check the "real fund returns" section to compare with actual NAV history.
Check against real mutual fund returns
The projection above assumes a constant return. Below is what popular schemes actually delivered using their NAV history — and you can run the same calculation on any fund.
What these funds actually returned (real NAV history)
| Fund | 1Y SIP XIRR | 3Y SIP XIRR | 5Y SIP XIRR | 5Y value of ₹10k/mo |
|---|---|---|---|---|
| Parag Parikh Flexi Cap Fund Direct-Growth | -4.63% | 3.61% | 10.67% | ₹7,94,809 |
| HDFC Flexi Cap Direct Plan-Growth | -6.94% | 4.45% | 12.64% | ₹8,34,198 |
| HDFC Mid Cap Fund Direct-Growth | -5.22% | 5.90% | 15.40% | ₹8,92,204 |
| Nippon India Small Cap Fund Direct-Growth | 2.41% | 5.08% | 14.28% | ₹8,68,267 |
| ICICI Prudential Large Cap Fund Direct-Growth | -12.87% | -0.39% | 7.55% | ₹7,36,085 |
Direct plans, growth option, NAV as on 2026-10-22. SIP of ₹10,000 on the same date each month; XIRR is the annualised return of those instalments. Past performance does not guarantee future returns.
Choose a fund
Parag Parikh Flexi Cap Fund Direct-Growth
How the SIP Calculator works
A SIP invests a fixed amount at a fixed interval — usually monthly — into a mutual fund. Each instalment buys units at that day's NAV, so you automatically buy more units when prices are low and fewer when they are high (rupee-cost averaging).
The calculator treats every instalment as invested at the start of the month and compounds it monthly at your expected annual return. The "estimated returns" tile is the difference between the final value and the total you put in.
Real fund returns are never a straight line. Use the expected-return slider to stress-test: at 10% instead of 12%, a 20-year SIP ends up roughly 25% smaller.
FV = P × [ ((1 + i)^n − 1) / i ] × (1 + i)
- P
- monthly SIP amount
- i
- monthly rate = annual return ÷ 12 ÷ 100
- n
- number of monthly instalments (years × 12)
- FV
- future value at the end of the tenure
Worked example
- Monthly investment: ₹5,000
- Expected return (p.a.): 12%
- Time period: 10 Yr
Investing ₹5,000 every month for 10 years puts in ₹6,00,000 in total. At 12% p.a. compounded monthly (i = 1%, n = 120) the SIP grows to about ₹11.6 lakh — roughly ₹5.6 lakh of that is return on your money, and the last three years alone add more than the first five, which is compounding at work.