Loading Yuitility Engine...
Preparing 100% in-browser client utilities with zero server data latency.
Calculate the future value of your Systematic Investment Plan (SIP) investments. Visualize compound wealth growth with interactive charts comparing total invested capital versus accrued returns over your chosen tenure.
Loading tool…
Your rating stays in this browser and is not sent to us. Use Contact to report an issue.
Explore pre-filled assumptions and calculation scenarios for sip investment calculator.
Forecast ₹5,000 monthly SIP returns at 12% annual CAGR over 10, 15, and 20 years. Model inflation purchasing power and annual step-up contribution growth.
Calculate maturity wealth for a ₹10,000 monthly SIP at 12% return. See how a 10% annual step-up turns your investment into over ₹1.5 Crore.
Calculate estimated monthly SIP investment required to reach ₹1 Crore corpus in 10, 15, or 20 years at 12% expected mutual fund returns with inflation metrics.
Add this fast, responsive, browser-based calculator directly to your blog, university portal, or company site. No API key required. Check the tool’s assumptions and limitations before sharing results.
Finance & Wealth
Calculate the future value of your Systematic Investment Plan (SIP) investments. Visualize compound wealth growth with interactive charts comparing total invested capital versus accrued returns over your chosen tenure.
Enter your monthly investment amount, expected annual return rate, and investment duration. The calculator projects your total invested amount, estimated returns, and final corpus using compound growth.
Forecast your mutual fund SIP wealth growth with expected annual returns over time. Yuitility keeps the workflow fast and focused, so you can complete the job without creating an account.
So you can check the result rather than take it on trust.
FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i)
₹10,000 per month for 10 years at an assumed 12% annual return.
Projected value ₹23,23,391 — ₹11,23,391 of it growth.
Growth does not overtake contributions until around year 11 at 12%. Before that, most of your balance is simply money you put in — which is why SIP results in years 1–5 feel disappointing and why stopping then is the expensive mistake.
12% is a planning assumption, not an outcome. Equity returns arrive unevenly; a 12% average can contain a −25% year. Model 8% and 15% as well and check the plan survives the low case.
The same ₹12,00,000 invested as a lump sum on day one at 12% becomes ₹37,27,018 over 10 years, versus ₹23,23,391 via SIP. SIP is smaller because the average rupee is invested for about half the period — SIP buys discipline and averaging, not higher returns.
Frequently asked questions about calculation formulas, privacy, and usage.
A Systematic Investment Plan lets you invest a fixed amount regularly (usually monthly) into a mutual fund, rather than investing a lump sum at once.
Projections use an assumed constant annual return rate for simplicity, but actual mutual fund returns fluctuate year to year. Treat projections as an estimate, not a guarantee.
Yes - this is called rupee-cost averaging. Investing a fixed amount regularly means you buy more units when prices are low and fewer when prices are high, which can smooth out volatility over time.
Compounding accelerates over time as returns are generated on both your contributions and previously accumulated returns, so the growth curve is not linear.
Tools that pair with the sip investment calculator in the same task.
Calculate lump sum and SIP mutual fund growth and future maturity returns.
Open the mutual fund return calculatorCalculate Systematic Withdrawal Plan monthly income payouts and remaining mutual fund corpus.
Open the swp calculatorCalculate Compound Annual Growth Rate for multi-year investments.
Open the cagr calculatorCompare retirement targets and contribution growth assumptions.
Open the retirement scenario calculatorSee every tool in Finance & Wealth, or browse all Yuitility tools.
Calculate mutual fund SIP compounding, model annual Step-Up increments, and adjust for future inflation.
Increase your monthly investment each year in line with salary growth.
See the future purchasing power of your portfolio in today's money.
Estimated Wealth Maturity
$5,045,760
Invested Principal
$1,800,000
Estimated Gains
$3,245,760
Compounding Curve
| Year | Cumulative Invested | Estimated Gains | Nominal Maturity |
|---|---|---|---|
| Year 1 | $120,000 | $8,093 | $128,093 |
| Year 2 | $240,000 | $32,432 | $272,432 |
| Year 3 | $360,000 | $75,076 | $435,076 |
| Year 4 | $480,000 | $138,348 | $618,348 |
| Year 5 | $600,000 | $224,864 | $824,864 |
| Year 6 | $720,000 | $337,570 | $1,057,570 |
| Year 7 | $840,000 | $479,790 | $1,319,790 |
| Year 8 | $960,000 | $655,266 | $1,615,266 |
| Year 9 | $1,080,000 | $868,215 | $1,948,215 |
| Year 10 | $1,200,000 | $1,123,391 | $2,323,391 |
| Year 11 | $1,320,000 | $1,426,148 | $2,746,148 |
| Year 12 | $1,440,000 | $1,782,522 | $3,222,522 |
| Year 13 | $1,560,000 | $2,199,311 | $3,759,311 |
| Year 14 | $1,680,000 | $2,684,180 | $4,364,180 |
| Year 15 | $1,800,000 | $3,245,760 | $5,045,760 |
Standard SIP calculations assume you invest the exact same monthly contribution throughout a 15-20 year career. However, real-world salaries typically expand by 8-12% each year. By toggling a 10% Annual Step-Up, an investor allocating ₹10,000/month accumulates over ₹2.1 Crore across 15 years at 12% CAGR, compared to only ~₹50 Lakhs in a static SIP — quadrupling the terminal corpus with modest incremental contributions.
