SIP Calculator — Monthly Investment Growth
Future value of a monthly SIP with year-wise growth table, total invested and wealth gained.
Formula
Disclaimer: Assumes a constant annual return — real market returns vary year to year, and mutual-fund investments are subject to market risk. Educational math only, not investment advice.
Need sip calculator results fast? Skip the spreadsheet and get a clear, defensible answer in one step — free, private and instant, recalculating live as you change any input.
About SIP Calculator — Monthly Investment Growth
A SIP (systematic investment plan) automates the hardest part of investing — actually doing it every month, in up markets and down. The defaults model ₹10,000 monthly at 12% (a common long-run equity-fund assumption) for 10 years: roughly ₹12 lakh invested becoming ₹23 lakh, with the year-by-year table showing how the gains accelerate in later years as the compounding base grows. Notice the shape of the schedule: in year one your gains are pocket change; by the final years, the annual growth on the accumulated corpus exceeds your yearly contributions themselves. That back-loaded curve is why SIP advice obsesses over time-in-market — the last few years do disproportionate work, which you only reach by starting early and not stopping. Use honest return assumptions: 12% reflects long-run Indian large-cap equity history, not a promise — run 10% and 14% to bracket your plan, and remember rupee-cost averaging means volatile markets can actually IMPROVE a SIP's outcome versus a smooth ride at the same average return, because more units are bought when prices are low.
How to use SIP Calculator — Monthly Investment Growth
- 1Enter Monthly SIP amount, Expected annual return (%), Investment period (years) into the SIP Calculator.
- 2The result is computed automatically using FV = P × ((1+i)^n − 1) ÷ i × (1+i) where i = annual return ÷ 12, n = months (instalment at month start) — there is no button to press; it updates live as you type.
- 3Change any input to model a different scenario, then use “Copy result link” to share the exact numbers.
Why use SIP Calculator — Monthly Investment Growth?
- ✓Computes sip calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter are never uploaded or stored
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
₹10,000 ki SIP 10 saal me kitna banati hai?+
12% expected return par lagbhag ₹23.2 lakh — jisme ₹12 lakh aapka invested principal aur ~₹11.2 lakh compounding ka gain hota hai. 15 saal tak badhane par yahi SIP ~₹50 lakh ho jaati hai: aakhri 5 saal lagbhag pehle 10 ke barabar jod dete hain. Upar inputs badal kar apna exact number dekhein.
Is the 12% return assumption realistic?+
It mirrors long-run Indian equity index history including dividends, but any single decade can deliver 8% or 16%. Treat it as a planning midpoint: bracket with 10% (conservative) and 14% (optimistic), and review the plan yearly rather than betting everything on one number.
SIP beech me rok dein to kya hota hai?+
Invested paisa lagataar compound hota rehta hai — sirf naye instalments rukte hain. Lekin goal ke hisaab se dekhein to lambi pause mehngi padti hai (hamara SIP-pause calculator exact cost dikhata hai). Market girne par SIP rokna sabse mehngi galti hai: sasti units lene ka mauka usi waqt hota hai.
Does SIP timing within the month matter?+
Negligibly — studies across SIP dates show differences of a few basis points over long periods. Pick the date your salary reliably clears (1st–5th for most people) so instalments never bounce; consistency beats any date-optimization folklore.
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