SIP Calculator — Monthly Investment & Return Calculator
Reviewed by Finin2min Editorial Desk · Last reviewed 9 September 2026
2-minute answer
SIP calculator for monthly investing: estimate future corpus and wealth gain using your own contribution, return and tenure assumptions, with scenario guidance.
Use this page to
- Understand the calculation or decision rule
- Test inputs and assumptions
- Compare a base case with an alternative scenario
- Verify the result against primary documents before acting
Practical control
Use the tool or guide as a decision aid, then verify the underlying assumption, product term, tax rule or statutory requirement before committing money or filing.
Official / primary sources
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Page content
📈 SIP & Investment Calculator
📊 Growth Projection
🎲 Monte Carlo Probability (1,000 Simulations)
⚖️ Investment Comparison — Same Period & Principal
| Asset Class | CAGR | Corpus | Post-Tax | Real Return |
|---|
📌 Smart Benchmarks
| Benchmark | 10-yr Avg | Note |
|---|---|---|
| Nifty 50 TRI | 13.5% | Index — large cap |
| Nifty Midcap 150 | 16.2% | Higher volatility |
| PPF | 7.1% | Tax-free, sovereign |
| FD (SBI) | 6.8% | Taxable at slab rate |
| Gold (XAUINR) | 11.4% | Volatile, no income |
| Inflation (CPI) | 5.8% | Hurdle rate for real gains |
How to Use the SIP Calculator
Enter your Monthly SIP Amount, choose your Expected Annual Return (use 10–12% for large-cap equity, 6–7% for debt), and set your Investment Tenure in years. The calculator uses the standard SIP future value formula compounded monthly, showing your total invested amount, estimated corpus, and wealth gain. Use the step-up feature to model annual SIP increases in line with salary growth.
SIP Formula Explained
P = Monthly SIP amount · r = Monthly return (Annual% ÷ 12) · n = Months (Years × 12)
Returns are compounded monthly per AMFI standard. Past performance of indices/funds does not guarantee future returns.
SIP Returns Reference: ₹5,000/month at 12% CAGR
| Tenure | Invested | Corpus | Wealth Gain | CAGR on Investment |
|---|---|---|---|---|
| 5 years | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 | 37% |
| 10 years | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 | 93% |
| 15 years | ₹9,00,000 | ₹25,22,880 | ₹16,22,880 | 180% |
| 20 years | ₹12,00,000 | ₹49,95,740 | ₹37,95,740 | 316% |
*Illustrative only. Based on 12% p.a. CAGR compounded monthly. Actual returns vary. LTCG tax not deducted above.
Frequently Asked Questions
Related Calculators
Methodology, assumptions and sources
Scope: Projects the maturity value of a monthly SIP (Systematic Investment Plan), including step-up SIP and post-tax/inflation-adjusted variants.
Calculation logic
- Standard SIP future value: FV = P × [((1+r)n − 1) / r] × (1+r), where P is the monthly instalment, r is the monthly return rate, and n is the number of months.
- Step-up SIP increases the monthly instalment by a fixed percentage each year and recomputes the running future value month by month.
- Post-tax return applies the applicable capital-gains tax treatment for the fund category and holding period entered.
- Real (inflation-adjusted) return uses the Fisher relation: real return = ((1 + nominal)/(1 + inflation)) − 1.
Inputs and assumptions
- Returns entered are assumed constant for the full tenure — actual market-linked returns vary and are never guaranteed.
- Tax treatment follows current capital-gains rules for equity/debt/hybrid fund categories as applicable on the calculation date.
Exclusions and edge cases
- Does not model SIP pause/skip months, exit load, or fund-specific expense ratio drag beyond the return rate entered.
- Lump-sum top-ups outside the recurring SIP are not modelled.
Sources
No external regulatory source applies — this is a general financial formula, not a statutory computation.
Review status: reviewed and approved by CA Nikhil Gupta on 3 June 2026.
SIP methodology and limitations
The future value is a mathematical projection from contribution, frequency, horizon and assumed return. Market returns are not linear and the calculator does not model sequence risk, taxes, exit load or fund-specific costs unless separately stated.
Run conservative/base/upside assumptions and focus on contribution adequacy rather than a single predicted corpus. For regulated product selection, use scheme documents and risk disclosures.
Input integrity
- Use source documents rather than approximate memory.
- Confirm period, units, tax regime/category and sign conventions.
- Test zero, threshold and just-above-threshold cases where relevant.
Output interpretation
- Separate arithmetic output from legal eligibility/classification.
- Preserve assumptions and the official-source date.
- Use the linked detailed guide for exceptions and evidence.
Primary-source starting points
Reviewed 22 August 2026. Always test later amendments, corrigenda and portal implementation before a live filing or transaction.