SIP Calculator
Estimate the maturity value of a monthly mutual-fund SIP.
Estimated Maturity Value
₹11,61,695
Invested
₹6,00,000
Est. Returns
₹5,61,695
Estimates only — actual mutual-fund returns vary with the market.
Paying off a loan too?
Compare investing this money against putting it towards the loan, over the same period.
EMI Calculator
Loan EMI, total interest and the full year-by-year repayment schedule.
About the SIP Calculator
See what a monthly mutual-fund SIP could grow into over any period. Enter your monthly instalment, an expected annual return and the number of years, and this SIP calculator projects the maturity value along with the split between money you put in and growth you earned. Salaried investors use it to size retirement goals, parents to plan education funds, and first-timers to understand why starting early beats starting big. It runs entirely in your browser — your investment plans never leave your device — and assumes nothing about which fund you eventually pick.
The maths behind the projection
The projection uses the future value of an annuity due: M = P × ((1+i)^n − 1) ÷ i × (1+i), where P is your monthly instalment, i is the expected annual return divided by 12 and then by 100, and n is the number of months. The trailing (1+i) treats each instalment as invested at the start of its month — the same convention fund houses use in their illustrations — so even your final month earns one month of growth. Every instalment compounds for a different length of time: the first payment compounds for the full horizon, the last for barely a month, and the total reflects all of them at once. That is why the answer is much larger than monthly amount multiplied by months. Growth accelerates with time — the jump between year nine and ten dwarfs the jump between year one and two.
Choosing an expected return honestly
The percentage you enter drives everything, so treat it as an assumption, never a promise. Long-run Indian equity index returns have historically landed around 11–12% a year, but with deep drawdowns along the way; debt and hybrid funds sit meaningfully lower. A disciplined habit is to run the calculator twice — once at your hoped-for return and once three or four points lower. If the pessimistic case still reaches the goal, the plan is robust; if not, raise the monthly amount or the horizon rather than the assumption. Mind what the figure leaves out too: expense ratios and exit loads trim real returns slightly, direct plans cost less than regular plans, and the output is nominal and pre-tax — inflation and capital-gains tax will each shave what you finally keep.
Using the numbers well
Work backwards from goals: if a target needs ₹25 lakh in fifteen years, adjust the monthly field until the maturity cell matches — that figure is your SIP budget, not a suggestion. Revisit annually, because as income rises the instalment should too; this page holds the amount constant throughout, so model a future raise by running a second calculation for the additional portion over its shorter period and adding the results mentally. Do not confuse a smooth projection with a smooth journey: markets routinely fall 20–30% somewhere in a decade-long SIP, and continuing through those dips is precisely what earns the long-run average. Finally, remember a SIP is a method, not a product — outcomes depend entirely on what you invest in, and past performance guarantees nothing. This is education, not investment advice.
Real numbers, start to finish
Suppose you invest ₹5,000 every month at an assumed 12% annual return — i works out to 1% per month — and simply let it run. Holding the instalment steady and stretching only the horizon shows compounding doing progressively heavier lifting:
| Duration | Invested | Est. maturity | Est. gains |
|---|---|---|---|
| 5 years | ₹3,00,000 | ≈ ₹4,12,432 | ≈ ₹1,12,432 |
| 10 years | ₹6,00,000 | ≈ ₹11,61,695 | ≈ ₹5,61,695 |
| 15 years | ₹9,00,000 | ≈ ₹25,22,880 | ≈ ₹16,22,880 |
₹5,000/month at an assumed 12% p.a. (illustrative)
Tripling the money invested does something lopsided to the gains: they rise roughly fourteen-fold, from ₹1.12 lakh to ₹16.23 lakh, because later contributions ride on a corpus that is already large. The final five years add more than the first ten combined. These figures are illustrative, not guaranteed — market returns vary year to year and can be negative over short stretches.
Video slot: sip-calculator-walkthrough.mp4
Typing ₹5,000 at 12% and stepping the years field from 5 to 15 so the maturity figure visibly accelerates past the invested amount, then rerunning at 8% to demonstrate the pessimistic case.
Coming soonHow to Use SIP Calculator Online
Follow these simple steps to use SIP Calculator securely in your web browser.
- 1
Enter Monthly Amount
Type how much money you plan to invest every month into the SIP.
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- 2
Select Rate & Duration
Enter expected annual return rate (%) and choose investment period in years.
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- 3
Calculate and Generate Wealth Growth
Click calculate to generate total invested capital, compounding interest gained, and maturity corpus.
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Features & Specifications
Formula
M = P * [((1 + i)^n - 1) / i] * (1 + i)
Compounding Frequency
Monthly Compounded Returns
Privacy Status
100% In-Browser Local Processing
100% Free & Private In-Browser Processing
Rupix operates on a zero-upload architecture. All computations, file parsing, and transformations occur locally inside your web browser. No document bytes, sensitive text, or personal data are ever uploaded or transmitted to remote servers.
Why use Rupix SIP Calculator?
Monthly Compound Annuity
Accurate monthly compounding formula matching mutual fund growth metrics.
Invested vs Returns Visuals
Clear visual breakdown comparing deposited capital against compound interest.
Inflation & Goal Planning
Simulate long-term wealth accumulation for retirement or major milestones.