SIP Calculator
Estimate what a monthly SIP in a mutual fund can grow to.
Optional
Used only to show the value in today's money. Set 0 to skip.
Your result
—
Enter your numbers to see the result.
A SIP calculator shows how much a fixed monthly investment in a mutual fund could be worth after a number of years. Enter your monthly amount, the return you expect and the time period. The calculator shows your total investment, the estimated gains, the final value, and what that value is worth in today’s money after inflation.
What is a SIP Calculator?
A SIP, or Systematic Investment Plan, is a way to invest a fixed amount in a mutual fund at regular intervals, usually every month. Instead of putting in a large sum at once, the money is debited from your bank account on a set date and units are bought at that day’s NAV.
A SIP calculator turns that plan into numbers. It takes three inputs, the monthly amount, the expected return and the period, and estimates the value of your investment at the end. It is a planning tool: it helps you see whether ₹3,000 a month is enough for a goal or whether you need ₹8,000, and how much difference five extra years can make.
This SIP calculator also adjusts the final value for inflation. A crore twenty years from now will buy far less than a crore today, so the inflation-adjusted figure gives a more honest picture of what your SIP can actually pay for.
How does the SIP Calculator work?
Each monthly instalment earns returns for a different length of time. The first instalment compounds for the full period, while the last one compounds for just a month. The SIP calculator adds up the future value of every instalment using the future value of an annuity formula.
Because most fund houses invest your SIP at the start of each month, this calculator treats the payments as made at the beginning of the period (an annuity due). That matches how the calculators on most AMC websites work, so your numbers will line up when you compare.
How to use the SIP Calculator step by step
- Enter the amount you plan to invest every month in the Monthly SIP amount box, or drag the slider.
- Enter the expected annual return. Use a cautious figure: 10–12% for diversified equity funds over long periods, 6–8% for debt funds.
- Choose the investment period in years.
- Optionally change the inflation rate to see the value in today’s money.
- Press Calculate. The result updates as you type, and the year-by-year table appears below the tool.
- Use Copy result to paste the numbers into a chat or note, or Download CSV to open them in Excel or Google Sheets.
SIP Calculator example with real numbers
Say you start a ₹5,000 monthly SIP in an equity mutual fund, expect a 12% average yearly return and stay invested for 20 years.
| Example input | Value |
|---|---|
| Monthly SIP amount | ₹5,000 |
| Expected annual return | 12% |
| Investment period | 20 years |
| Inflation rate (for today's value) | 6% |
| Example output | Value |
|---|---|
| Estimated value after 20 years | ₹49,95,740 |
| Total invested | ₹12,00,000 |
| Estimated returns | ₹37,95,740 |
| Total value | ₹49,95,740 |
| Value in today's money | ₹15,57,695 |
Over 20 years you put in ₹12,00,000, and the SIP calculator estimates the total at ₹49,95,740. The gap between those two numbers, ₹37,95,740, is the effect of compounding. After allowing for 6% inflation, that pot is worth about ₹15,57,695 in today’s money, which is the number to use when you plan a goal.
Key features of this SIP Calculator
- Monthly amount, return and period with sliders and exact input boxes
- Invested amount, estimated returns and final value in one view
- Inflation-adjusted value so you can plan in today’s money
- Year-by-year growth table you can scroll on mobile
- Amounts shown in lakh and crore as well as in figures
- Copy, download as CSV and reset buttons
- Works offline after the page loads; nothing you type leaves your device
Who should use the SIP Calculator?
Who is this SIP Calculator for?
- First-time investors deciding how much to put into a SIP
- Salaried professionals planning for a house, a child’s education or retirement
- Parents comparing a SIP with traditional options like an RD or PPF
- Financial bloggers and advisers who need quick illustrations for clients
Practical use cases
- Checking how much a ₹2,000, ₹5,000 or ₹10,000 monthly SIP may become in 10, 15 or 20 years
- Working out roughly how long it takes to reach ₹50 lakh or ₹1 crore
- Comparing a 10% and a 12% return to see how sensitive your goal is to market returns
- Showing a younger family member why starting early matters
Key benefits
- Clarity: you see the full picture, including how much of the final value is your own money and how much is growth.
- Better goals: the inflation-adjusted value stops you from under-saving for long-term goals.
- Speed: testing ten scenarios takes a minute instead of building a spreadsheet.
- Discipline: seeing the long-term number makes it easier to keep a SIP running through market falls.
Tips for better results
- Use a conservative return. Planning with 12% and getting 10% leaves a big gap over 20 years.
- Run the numbers at two or three return rates and plan for the lower one.
- Look at the inflation-adjusted value, not only the headline figure.
- If your income will rise, check the step up SIP calculator; raising your SIP every year makes a large difference.
- Review your SIP once a year rather than reacting to every market move.
Common mistakes to avoid
- Treating the result as guaranteed. Equity fund returns are not fixed and can be negative in some years.
- Using past returns from a single great year as the expected return.
- Stopping the SIP during a market fall, which is when each instalment buys the most units.
- Ignoring exit load and taxes when you plan to withdraw.
- Comparing the SIP value with an FD maturity without adjusting both for tax.
Limitations of this SIP Calculator
- It assumes a constant return. Real returns vary month to month, so your actual value will be higher or lower.
- It does not deduct the fund’s expense ratio separately. Use a return figure that is already net of costs.
- It does not calculate capital gains tax on withdrawal. See the capital gains tax calculator for that.
- It assumes every instalment is paid on time with no missed months.
SIP Calculator vs other ways to calculate
| Method | Speed | Shows inflation | Year-wise table | Best for |
|---|---|---|---|---|
| Qorico SIP calculator | Instant | Yes | Yes, downloadable | Planning and comparing scenarios |
| AMC or broker calculator | Instant | Sometimes | Sometimes | Checking a single fund house |
| Excel FV formula | Slow to set up | Only if you add it | If you build it | Custom models |
| Manual calculation | Slow | No | No | Learning the formula |
Most fund house and broker sites offer a SIP calculator, and the core math is the same. The main differences are whether they adjust for inflation, show a yearly breakdown and let you download the numbers. If you prefer a spreadsheet, Excel’s FV(rate/12, years*12, -amount, 0, 1) gives the same result as this calculator.
If your goal is a fixed target rather than a fixed monthly amount, the goal planner calculator works backwards from the target to the SIP you need.
Privacy and data handling
This SIP Calculator runs entirely in your browser. The numbers you type are not sent to Qorico or stored on any server, and nothing is saved after you close the page. The Copy and Download buttons create the result on your own device. If the page has analytics turned on, it may count that a calculation happened, but it does not record the values you entered.
SIP Calculator FAQs
How is SIP return calculated?
A SIP calculator uses the future value of an annuity formula. Each monthly instalment is compounded at the monthly rate for the months it stays invested, and all instalments are added together. Most calculators, including this one, assume the money is invested at the start of each month.
How much will a ₹5,000 SIP be worth in 20 years?
At an assumed 12% yearly return, a ₹5,000 monthly SIP for 20 years grows to roughly ₹50 lakh, of which ₹12 lakh is your own money. At 10% it would be closer to ₹38 lakh. These are estimates; actual returns depend on the market.
Are SIP returns guaranteed?
No. SIPs in equity or hybrid mutual funds are market-linked, so returns are not guaranteed and can be negative over short periods. The calculator shows what happens at a constant return you choose.
What return should I use in a SIP calculator?
For diversified equity funds held for 10 years or more, many planners use 10–12%. For debt funds, 6–8% is more realistic. Using a lower figure keeps your plan on the safe side.
Can I stop or pause a SIP?
Yes. Most fund houses let you pause a SIP for a few months or cancel it any time without a penalty from the fund. Units you already hold stay invested; exit load may apply only when you redeem.
Is SIP better than a lumpsum investment?
Neither is always better. A SIP spreads your purchases over time and suits monthly income. A lumpsum can earn more if markets rise right after you invest. Compare both with the lumpsum calculator.
How are SIP gains taxed in India?
For equity funds, gains on units held over 12 months are long-term capital gains, taxed at 12.5% on gains above ₹1.25 lakh a year. Units sold within 12 months are taxed at 20%. Each SIP instalment has its own holding period.
Related tools
Sources and references
We checked the method and the current figures used in this SIP Calculator against these official and primary sources:
- AMFI: Association of Mutual Funds in India
- Mutual Funds Sahi Hai: AMFI investor education
- SEBI Investor Website
- Income Tax Department of India
Written and reviewed by the Qorico Team
