SIP Investment Calculator
Estimate monthly SIP returns, contributions, gains and projected corpus. Compare investment amounts, time periods and return scenarios.
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5,000 monthly investment · 10% return · 10 years
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Complete the fields above to see your result. You can change any value at any time.
Calculation methodology
The projection compounds each monthly investment using the assumed annual return converted to a monthly rate. The result separates your total contributions from the estimated growth.
Important assumptions
- Results are estimates based on the values you enter.
- Rates and returns are assumed for the projection period and may change in real life.
- Taxes, fees, market conditions and provider-specific rules may affect actual outcomes.
SIP Calculator Guide
What Is a SIP Calculator?
A SIP calculator estimates how a regular monthly investment could grow over time using the return rate and investment period you enter. It separates the amount you invest from the estimated gains so you can see how the projected corpus is built.
For example, a ₹10,000 monthly SIP invested for 10 years at an assumed 12% annual return can be modeled to estimate total contributions, projected value and gains. The result is an estimate, not a guaranteed return.
How Does a Monthly SIP Work?
With a SIP, you invest a chosen amount at regular intervals, commonly every month. Each contribution has time to participate in the investment's potential growth, so contributions made earlier generally have more time to compound.
Enter your monthly SIP, expected annual return and investment period above. The calculator applies the assumed return to the monthly contributions and shows the projected future value.
How Are SIP Returns Calculated?
The calculator converts the annual return assumption into a monthly rate and compounds the monthly contributions over the selected number of months. It also reports total invested amount and estimated gains.
Because actual market returns vary, the projected value should be treated as a planning scenario. Compare different return assumptions rather than relying on one forecast.
Worked SIP Example: ₹10,000 per Month for 10 Years
For an illustrative monthly SIP of ₹10,000 over 10 years at an assumed 12% annual return, this calculator projects a corpus of about ₹23.23 lakh. Total contributions would be ₹12 lakh, and the estimated gain would be about ₹11.23 lakh, before any applicable taxes or costs.
This example follows the calculator’s monthly-rate and monthly-contribution assumptions. It is a mathematical illustration, not a forecast: market returns vary, and you could receive less than you invest. Change the amount, return and period above to see how the estimate changes.
SIP Calculator Examples: Monthly Investment Scenarios
For example, you can model a 3,000-per-month investment for 5 years or a 20,000-per-month investment for 5 years. The calculator estimates the total investment, projected value and gains once you choose an assumed return.
These searches are goal-based examples rather than fixed answers because the projected value depends on the return assumption. Enter the monthly amount and period above, then compare multiple return scenarios instead of treating one result as guaranteed.
How Much SIP Is Needed for a Large Investment Goal?
If your goal is a large investment target over 5 or 10 years, there is no single SIP amount without an assumed return. Use the calculator to work backward from a target by testing the monthly contribution, return assumption and time period.
A shorter investment horizon generally requires a larger contribution than a longer horizon for the same target and return assumption. This illustrates why investment horizon is an important part of SIP planning.
SIP vs Step-Up SIP
A regular SIP keeps the monthly contribution constant in the model. A Step-Up SIP increases the contribution by a chosen percentage each year. If your income or savings capacity is expected to rise, a step-up scenario can show how higher future contributions affect the projected corpus.
Use the Step-Up SIP Calculator to compare annual increases with a regular monthly SIP plan.
The calculator runs in your browser — nothing is stored on our servers. Change the currency at the top right of the workspace to view values in your preferred currency.
SIP Calculator FAQs
Answers to common SIP questions about returns, monthly investments, goals, safety and planning.
What is an SIP calculator?
An SIP calculator estimates the projected value of regular investments using your monthly SIP, expected annual return and investment period. It can show total invested amount and estimated gains.
What return should I assume in an SIP calculator?
Use an assumption that fits your investment type and planning horizon, and compare conservative, base and optimistic scenarios because future returns are uncertain.
Is SIP return guaranteed?
No. A SIP is a method of investing regularly; the underlying investment can rise or fall. The calculator's return is an assumption used for projection.
How much can a monthly SIP of ₹3,000 grow in 5 years?
The projected value depends on the return assumption. Enter ₹3,000 as the monthly SIP and 5 years as the period, then review total contributions, estimated gains and projected corpus. Compare several return scenarios; none is guaranteed.
How much can a monthly SIP of 20,000 grow in 5 years?
The result depends on the return assumption. Enter 20,000 as the monthly investment and 5-year period, then compare different return scenarios rather than treating one projected value as guaranteed.
How can I reach a large investment goal through SIP in 10 years?
The required monthly SIP depends on the assumed return and any starting investment. Model your target over 10 years and compare conservative and higher return assumptions rather than relying on a single forecast.
Can SIP help build long-term retirement income?
SIP can be used to build a long-term corpus, but it does not guarantee a pension or fixed monthly payout. The required corpus depends on the target income, withdrawal period, inflation and investment returns. Compare the accumulation plan with an appropriate withdrawal calculation.
How can I double money in 7 years?
Doubling depends on the return achieved over the seven-year period. A calculator can show the return assumption required for a target and compare different scenarios, but market-linked returns are not guaranteed.
How does an SIP grow?
Each regular contribution is invested and can earn returns over time. Compounding means earlier contributions generally have more time to grow than later contributions.
How much will a ₹10,000 monthly SIP become in 10 years?
The result depends on the return assumption. Enter ₹10,000 as the monthly SIP and 10 years as the period, then compare multiple return scenarios instead of treating one projected corpus as guaranteed.
What is the difference between SIP and Step-Up SIP?
A regular SIP keeps the monthly contribution constant in the model, while a Step-Up SIP increases the contribution by a chosen percentage each year.
How much can a monthly SIP grow in 5 years?
The result depends on the return assumption. Enter your monthly investment and 5-year period, then compare different return scenarios to see the projected corpus, total investment and estimated gains.
How can I reach a large investment goal through SIP in 5 years?
A large target in 5 years requires a monthly investment based on your starting amount, assumed return and investment period. Use the calculator to test the required contribution under several return assumptions; the target is not guaranteed.
Can SIP help build a regular monthly income?
A SIP builds an investment corpus; it does not itself guarantee a monthly income. You can use a SIP to model the corpus you may build and then separately evaluate a suitable withdrawal strategy for a target monthly income.
Can I double an investment through SIP?
There is no guaranteed doubling period. The time required depends on the return earned and whether you add further contributions. Use the calculator with different return assumptions and investment periods to model the target.
How can I reach a large investment goal in 5 years?
If the goal is to build a large investment goal through investing, model the target as an SIP or other investment goal using a realistic return assumption and required contribution. Avoid treating a high return assumption as a guaranteed way to reach the target.
Educational estimate only. Not investment, tax or legal advice. Please verify current rates, slabs, taxes, fees and rules before making a financial decision.