Tools · Calculator
SIP calculator
Enter a monthly investment, an expected annual return, and a tenure to see the projected corpus, total invested, estimated gains, and a year-by-year growth table. Instant, in-browser, no login. Built for Indian investors in rupees for FY25-26.
The answer
A 10,000 rupee monthly SIP at an assumed 12% annual return grows to about 50,45,760 rupees (50.46 Lakh) in 15 years, on 18,00,000 invested, an estimated gain of 32,45,760; adjust the amount, return, and tenure below for your own number.
BazaarBaaziSource & method
Project your SIPInstant · in-browser
Set your monthly amount, expected annual return, and tenure. Every figure updates as you type and nothing leaves your device.
Projected corpus after 15 years
₹50.46 Lakh
₹50,45,760 at 12% per year on ₹10,000 a month
Total invested
₹18 Lakh₹18,00,000
Estimated gains
₹32.46 Lakh+180.3% on invested
Year-by-year growth
| Year | Invested | Value | Gains |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 | ₹8,093 |
| 2 | ₹2,40,000 | ₹2,72,432 | ₹32,432 |
| 3 | ₹3,60,000 | ₹4,35,076 | ₹75,076 |
| 4 | ₹4,80,000 | ₹6,18,348 | ₹1,38,348 |
| 5 | ₹6,00,000 | ₹8,24,864 | ₹2,24,864 |
| 6 | ₹7,20,000 | ₹10,57,570 | ₹3,37,570 |
| 7 | ₹8,40,000 | ₹13,19,790 | ₹4,79,790 |
| 8 | ₹9,60,000 | ₹16,15,266 | ₹6,55,266 |
| 9 | ₹10,80,000 | ₹19,48,215 | ₹8,68,215 |
| 10 | ₹12,00,000 | ₹23,23,391 | ₹11,23,391 |
| 11 | ₹13,20,000 | ₹27,46,148 | ₹14,26,148 |
| 12 | ₹14,40,000 | ₹32,22,522 | ₹17,82,522 |
| 13 | ₹15,60,000 | ₹37,59,311 | ₹21,99,311 |
| 14 | ₹16,80,000 | ₹43,64,180 | ₹26,84,180 |
| 15 | ₹18,00,000 | ₹50,45,760 | ₹32,45,760 |
Method: each monthly contribution is invested at the start of the month and compounds at 12% per year (a monthly rate of 1%), rolled forward month by month for 180 months. Returns are assumed constant for the projection and are not guaranteed; actual mutual-fund and equity SIP returns vary with the market. Figures exclude expense ratio, exit load, and tax. This is an educational estimate, not investment advice.
How to read the resultMethod
What the projected corpus does and does not include, so the number is a transparent estimate rather than a promise.
The projected corpus assumes your chosen return is earned steadily every year and that each instalment is invested at the start of the month, which is how most Indian SIP platforms quote a plan. Real mutual-fund and equity returns are not constant: a fund can be down in a weak year and well above the assumption in a strong one, so treat the figure as a planning estimate, not a forecast.
The number is gross. It does not subtract a fund expense ratio, any exit load, or capital-gains tax on redemption. For an equity fund held beyond a year, long-term capital-gains tax applies above the annual exemption, so the in-hand amount is lower than the projected corpus. Use the projection to size a goal, then pressure-test it with a lower return assumption.
FAQ4 reader questions · AEO-eligible
Common SIP questions, answered and schema-marked for AI Overview, Perplexity, and reader search.
How is the SIP future value calculated?
Each monthly contribution is invested at the start of the month and compounds at the expected annual return, converted to a monthly rate (annual return divided by 12). The balance is rolled forward month by month for the full tenure. For the default example, a 10,000 rupee monthly SIP at 12% for 15 years projects to about 50,45,760 rupees on 18,00,000 invested.
Does the calculator account for tax, expense ratio, and exit load?
No. The projection is a gross estimate before fund expense ratio, exit load, and capital-gains tax. Equity mutual-fund gains in India attract long-term capital-gains tax above the annual exemption, and a fund's expense ratio reduces the realised return. Use it to size a goal, not as an after-tax figure.
What return should I assume for a SIP?
There is no guaranteed number. A common planning assumption for a diversified equity mutual fund is around 10 to 12 percent a year over a long horizon, while debt funds are typically lower. Returns are not fixed and can be negative in any given year; use a conservative assumption and check the actual scheme history.
Is a higher SIP amount or a longer tenure more powerful?
Over long horizons, time usually does more work than amount because compounding is exponential. Extending a SIP by a few years often adds more to the final corpus than a modest increase in the monthly amount, which is why starting early matters. Try both sliders to see the effect.
Related tools and reading
Put the projection to work, or learn what sits behind the numbers.